Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I was reviewing my credit report for accuracy and found the following errors on my credit report. 

According to the following FCRA Rules/Guidelines I have identified the following statues that the inaccurate reporting on my credit report violates as it is reporting inaccurate information. 

I have not supplied proof under the Doctrine of Estoppel by silence, Engelhardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Compliance Procedures Section 607 ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title.

( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
( c ) Disclosure of consumer reports by users allowed. A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

( d ) Notice to Users and Furnishers of Information ( 1 ) Notice requirement. A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency. 
a notice of such person 's responsibilities under this title. 
( 2 ) Content of notice. The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall follow this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.

( e ) Procurement of Consumer Report for Resale ( 1 ) Disclosure. A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 604 [ 1681b ] for which the report is furnished to the end-user of the report ( or information ).

( 2 ) Responsibilities of procurers for resale. A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 604 [ 1681b ], including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ). 
( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).

( 3 ) Resale of consumer report to a federal agency or department. Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 604 ( b ) ( 4 ) ( E ) ( i ) ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information, or the safety of persons employed by or contracting with or undergoing investigation for work or contracting with the agency or department.

15 USC 1666 Correction of Billing Error ( a ) WRITTEN NOTICE BY OBLIGOR TO CREDITOR ; TIME FOR AND CONTENTS OF NOTICE ; PROCEDURE UPON RECEIPT OF NOTICE BY CREDITOR If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( XXXX ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor XXXX not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. 
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. 
( b ) BILLING ERROR For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

( c ) ACTION BY CREDITOR TO COLLECT AMOUNT OR ANY PART THEREOF REGARDED BY OBLIGOR TO BE A BILLING ERROR For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.

Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.

( d ) RESTRICTING OR CLOSING BY CREDITOR OF ACCOUNT REGARDED BY OBLIGOR TO CONTAIN A BILLING ERROR Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.

( e ) EFFECT OF NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.

609 Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, that in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. ( C ) Subparagraph ( A ) does not apply if -- ( i ) the end user is an agency or department of the United States Government that procures the report from the person for purposes of determining the eligibility of the consumer to whom the report relates to receive access or continued access to classified information ( as defined in section 604 ( b ) ( 4 ) ( E ) ( i ) ) ; and ( ii ) the head of the agency or department makes a written finding as prescribed under section 604 ( b ) ( 4 ) ( A ). ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure. ( 5 ) A record of all inquiries received by the agency during the 1-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer. ( b ) Exempt information. The requirements of subsection ( a ) of this section respecting the disclosure of sources of information and the recipients of consumer reports do not apply to information received or consumer reports furnished prior to the effective date of this title except to the extent that the matter involved is contained in the files of the consumer reporting agency on that date. ( c ) Summary of rights required to be included with disclosure. ( 1 ) Summary of rights. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( A ) a written summary of all of the rights that the consumer has under this title ; and ( B ) in the case of a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis, a toll-free telephone number established by the agency, at which personnel are accessible to consumers during normal business hours. ( 2 ) Specific items required to be included. The summary of rights required under paragraph ( 1 ) shall include ( A ) a brief description of this title and all rights of consumers under this title ; ( B ) an explanation of how the consumer may exercise the rights of the consumer under this title ; ( C ) a list of all Federal agencies responsible for enforcing any provision of this title and the address and any appropriate phone number of each such agency, in a form that will assist the consumer in selecting the appropriate agency ; ( D ) a statement that the consumer may have additional rights under State law and that the consumer may wish to contact a State or local consumer protection agency or a State attorney general to learn of those rights ; and ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 [ 1681c ] or can not be verified. ( 3 ) Form of summary of rights. For purposes of this subsection and any disclosure by a consumer reporting agency required under this title with respect to consumers ' rights, the Federal Trade Commission ( after consultation with each Federal agency referred to in section 621 ( b ) [ 1681s ] ) shall prescribe the form and content of any such disclosure of the rights of consumers required under this title. A consumer reporting agency shall be in compliance with this subsection if it provides disclosures under paragraph ( 1 ) that are substantially similar to the Federal Trade Commission prescription under this paragraph. ( 4 ) Effectiveness. No disclosures shall be required under this subsection until the date on which the Federal Trade Commission prescribes the form and content of such disclosures under paragraph ( 3 ).

After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. If you received a Form 1099-C showing incorrect information, contact the creditor to make corrections. For example, if the creditor is continuing to try to collect the debt after sending you a Form 1099-C, the creditor may not have canceled the debt and, as a result, you may not have income from a canceled debt. You should verify with the creditor your specific situation. Your responsibility to report the taxable amount of canceled debt as income on your tax return for the year when the cancellation occurs doesn't change whether or not you receive a correct Form 1099-C.

I attest to receiving no 1099-C on any of the Charge-Offs listed on my account, based on Topic No. 431 of the Internal Revenue Service Guidelines and find these charge-offs erroneous.

Based on MO Law the statue of limitations to collect on debt Based on the Statues outlined above and strictly enforced by the FCRA I am requesting the following accounts listed below be removed/deleted due to inaccurate reporting against my SSN on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX  This account is reporting inaccurate as XXXX has a High Balance listed of {$930.00}, Experian has {$0.00} and XXXX shows {$550.00}? Dates of last activity are listed incorrectly, XXXX XX/XX/XXXX, Experian XXXX XXXX XXXX XXXX is the only one showing a closed date for this account of XXXX  when XXXX and XXXX show none??? How can there be a closed date of XXXX when it is showing last activity was XXXX for one Credit Bureau? The account type is mismatched for all 3 credit bureaus, XXXX has account type listed as Bank Credit Cards, Experian is listed as Mortgage Companies/Finance and XXXX National Credit Card Companies ? How can it be a Credit Card and Mortgage I dont have a mortgage I am not a homeowner. Experian has it listed as Charged Off And last activity on the account was XX/XX/XXXX but still reporting as Charge-off as of XXXX  This information is unverifiable and request it be deleted immediately as it is reporting inaccurately against my credit report, delete this item. 

I have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 






XXXX XXXX XXXX  This account is reporting incorrectly because XXXX is reporting a balance of {$1900.00}, Experian {$0.00} XXXX And XXXX {$0.00} XXXX The last dates of activity do not correlate together XXXX/Experian reports XXXX  and XXXX is reporting XXXX. The account type does not match, XXXX states Misc Banks, Experian says XXXX XXXX XXXX, and XXXX indicates All Banks, which is not accurate at all across the board. This account says Charge-off and is still reporting a balance. The last payment noted by XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX how can a last payment be received in 3 different months? 

I have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXXXXXX XXXX XXXX XXXX The balance is not consistent, XXXX is reporting {$970.00}, Experian {$0.00}, and XXXX is {$970.00}. The date of last activity is incorrect, XXXX is reporting XXXX, Experian XXXX XXXX XXXX XXXX  The account is Charged off and still showing in Experian that it is Charge-off XXXX, but the account closed date indicates XXXX how is it still reporting a charge-off date after XXXX? The account type doesnt match XXXX shows Miscellaneous Banks, Experian states Bank Credit Cards XXXX and XXXX indicates National Credit Card Companies XXXX These errors need to be deleted.

I have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXXXXXX XXXX XXXX XXXXXXXX The balance being reported by XXXX XXXX {$710.00}, Experian {$0.00}, and XXXX {$710.00}, not the same for all three, how if the information is the same being reported? The account type is not accurate XXXX has Miscellaneous Banks, Experian has Bank Credit Cards, and XXXX has National Credit Card Company, what type of account is this with 3 different sub categories indicating 3 different types. Account reads as being charged-off but still showing charge off XXXX when the account listed it closed XXXX, these need to be deleted due to inaccuracy. 

I have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX XXXX XXXX XXXXXXXX  The account type is inaccurate aligned with the last date of activity reported for XXXX XXXX Experian XXXX  and XXXX XXXX, when did the account close is under question with 3 different dates. XXXX list the account type as Miscellaneous Finance XXXX and Experian Personal Loan Companies, this makes it unclear as to what type of debt this is, is it a loan or financing? Last payment received is reporting wrong XXXX/Experian indicate XXXX  and XXXX indicates XXXX, when was the last payment received. 

I have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX XXXX XXXX XXXX/Experian only ones showing a balance of {$1300.00} XXXX is not reporting a balance. The date last verified is XXXX by XXXX only, ExperianXXXX are not reporting anything/ no dates listed at all. Dates of last activity are not matching XXXX has a date of XX/XX/XXXXXXXX  Experian XXXX  and XXXX has a date of XXXX how can the activity over a 6mo span difference, the information is not factual. Account type displays a discrepancy, ExperianXXXX shows Personal Loan Companies and XXXX has it listed as Sales Financing, is this financing or a loan based on this information and the account shows Charge-off XXXX  and account closed listed under XXXX as XXXX/Experian are not reporting a closed date of XXXX if it closed approx. 6 mo ago how is it showing charge off still XXXXXXXX  This errors are a clear indication this needs to be deleted. 

I have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX XXXX XXXXXXXX has a balance posted of {$1900.00}, Experian {$0.00} XXXX and XXXX is showing {$2600.00}, how is this valid reporting 3 different account balances? The dates of last activity do not match XXXXXXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX the activity spans over a 10 month time frame for an account this hardly seems accurately reported. The account is showing charged off, but still reflecting a variety of different balances and showing a charge off XXXX when the last account shows it closed XXXX  how is this even possible, due to these discrepancies this information needs to be deleted. 

I have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX XXXX I show the account as being charged off and shows a balance of {$16000.00} I have never had a loan with XXXX XXXX XXXX  I own my vehicle this is a error and the previous car was totaled in a accident and sold, How can I sell a vehicle I owe on, I have proof through my insurance claim the vehicle was sold, and no lienholder/lien on the title listed as Texas Dealer Solutions this is a fraudulent charge. Delete this.

I have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 




XXXXXXXX XXXX XXXX  This account is reporting 3 different account numbers XXXX XXXX Experian XXXX XXXX XXXX XXXX, which account is correctly listed this is not correct reporting. Each has a different balance, XXXX/Experian {$1200.00} and XXXX {$780.00}, the account balances dont match neither do any of the information which clearly indicates erroneous errors. The account is showing Charge-off and still reflecting a balance which is incorrect reporting as well as the date the account was closed shows XXXX and still ExperianXXXX are reporting a Charge off eff XXXX, this is another example of incorrect reporting on these accounts. Delete this account due to inaccuracies. 


XXXX XXXX XXXX XXXX XXXX  The account is listed as a charge off with a closed date of N/A but still reporting charge-off XXXX but date of last activity is XXXX, also as this account is a debt buyer and should The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. This account is only reporting to Experian. This account is listed 2x under the same account # with the same balances {$880.00} and This inconsistent display of information requires an immediate removal. 

I have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX XXXX XXXX XXXX The account has a balance of {$1000.00} and is only reporting to XXXX XXXX but the account status is still listed as Open. The payment status says charge off, so how can a account be Open and charge-off at the same time, while still reporting a balance these errors are major not to mention payment amount, last payment, term length, past due amount, account type, payment frequency and credit limit are all missing from the reporting. This is inaccurate reporting and needs to be removed. 

I have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 









XXXX XXXX XXXX XXXX XXXX  This account is only reporting a balance of {$910.00} to XXXX only and no other credit bureau XXXX The account still shows open but indicates it is charged off under payment status. How can an account be an Open charge off with a balance. This is inaccurate reporting and needs to be removed from my report due to inaccuracies. And is outside of statute of limitations for debt collection in state of MO, delete this inaccurate reporting.

I have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX XXXX XXXX This account has not point of contact as to whom this debt belongs to and is only reporting to XXXX it is simply a balance for {$700.00} and outside of MO state law for collection as the account is over 7years old. This account does not meet FCRA to be listed as a creditor remove this due to inaccurate reporting. 

I have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXXXXXX XXXX XXXX XXXX  The account has a balance of {$1900.00} AND {$1000.00}, but the account status is still listed This account needs to be removed as it is reporting inaccurately from a debt-buyer per FDCPA, I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.1692 ( c ).

I have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


Thank you for your attention to this matter. 
The items listed above need to be thoroughly re-investigated and removed due to inaccurate reporting on all Accounts listed above and updated copy of my credit report submitted to me with the corrected updates once these accounts have been moved. 

XXXX XXXX

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