Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1989 SS # : XXXX Attn : Customer Relations Department To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1. This account is not reported consistently on all three credit bureaus. Only XXXX report this account. This is a misuse of the e-ocar and the incorrect Metro2 format. I don't own this account. I never received any pertinent paperwork informing me of this debt I demand an investigation to verify this account prior 30 days ago. Up to date, I havent received any correspondence from the credit bureaus. The account on this account is listed as a debt buyer, which is contradictory because, according to the IRS tax code 's legal permissible business exception, a debt can not be legally purchased by any unapproved third party entity when the account is written off as a loss. Instead, it is legally considered to be uncollectible debt. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Here is details of the laws that were violated as in the specific codes and subsets : Fair Credit Reporting Act ( FCRA ) - Section 623 ( a ) ( 1 ) ( A ) requires that consumer reporting agencies provide accurate and complete information about consumers ' credit histories. The failure to report the account consistently on all three credit bureaus may violate this requirement. 



Fair Debt Collection Practices Act ( FDCPA ) - Section 809 ( b ) requires that debt collectors provide verification or validation of a debt upon request from the consumer. Failure to do so may violate this section of the FDCPA. 



Fair and Accurate Credit Transactions Act ( FACTA )- Section 114 of FACTA requires financial institutions and creditors to implement measures to prevent identity theft and protect consumers ' personal information. The failure to report the account consistently on all three credit bureaus may violate this section of the law. 



Truth in Lending Act ( TILA ) - Section 102 ( a ) of TILA requires lenders to disclose the terms and conditions of a loan, including the interest rate, fees, and other charges. Failure to provide these disclosures may violate this section of the law.

Equal Credit Opportunity Act ( ECOA ) - Section 701 ( a ) of ECOA prohibits lenders from discriminating against borrowers on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. Withholding information or documentation based on a borrower 's protected status may violate this section of the law.

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


Sincerely yours, 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