Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Subject : Dispute of Inaccurate Credit Reporting by XXXX XXXX XXXX - Account No. XXXX Dear [ XXXX 's XXXX ], I hope this letter finds you well. I am writing to formally dispute the accuracy of an item on my credit report, which has been reported by XXXX XXXX XXXX. The information pertains to an account with the original creditor XXXX XXXX, with the account number XXXX. The details of the disputed item are as follows : Balance : {$400.00} Balance Updated : XX/XX/2023 Original Balance : {$400.00} Date Opened : XX/XX/2023 Account Type : Collection Account Status : Collection account. {$400.00} past due as of XX/XX/2023. 
Status Updated : XX/XX/2023 I firmly believe that there are violations of consumer protection laws and the Metro 2 Reporting Guidelines in the reporting of this account, and I am writing to formally request an investigation into this matter. The inaccuracies and violations I have identified are as follows : Lack of Verification and Validation : According to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request validation of the debt and verify its accuracy. I have not received proper validation and verification from XXXX XXXX XXXX regarding the debt in question. 

Inaccurate Reporting : The account is being reported as " Collection account. {$400.00} past due as of XX/XX/2023. '' This statement is misleading and inaccurate, as the debt has been fully paid off and has a balance of {$0.00}. The reporting is in direct violation of FCRA, which mandates accurate and up-to-date reporting of consumer accounts. 

Metro 2 Violation : The Metro 2 Reporting Guidelines are designed to ensure accurate and consistent credit reporting. The reported information is not reflective of the true status of the account and is therefore in violation of these guidelines. 

These inaccuracies and violations have a significant negative impact on my credit history and financial well-being. I kindly request that you conduct a thorough investigation into this matter in accordance with the FCRA and other applicable consumer protection laws. During the investigation process, I ask that you take the following actions : XXXX XXXX XXXX XXXX and request that they provide documented evidence of the debt, including verification and validation of its accuracy. 
Verify that the reported account information is compliant with the Metro 2 Reporting Guidelines.

Update my credit report to reflect the accurate and correct information regarding the status of the account in question. 
I am providing copies of relevant documentation, including payment records and correspondence with XXXX XXXX XXXX, to support my dispute. I trust that you will promptly address this issue and provide a resolution in accordance with the law. 

I would also like to bring to your attention the specific consumer protection laws and guidelines that pertain to this dispute : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) Metro 2 Reporting Guidelines

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation