Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent a letter to Experian regarding fraudulent information they are reporting on my credit report. 

I am exercising my right under the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy 15 U.S. Code 1681i. Experian required by Federal Law to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Experian was not able to verify the account with the original documents with my signature any information on my credit report and the collection information should be removed from my credit report.

I am distressed that Experian has included in my credit profile is causing major issues with my creditors and is blocking me from purchasing my dream home. I'm forced to continue renting property due to 1 single fraudulent, unverified collection that has been reported to the Federal Trade commission. All I keep getting from Experian is that they sent some code to the collection agency that states its verified. No paperwork, no signatures, no ID nothing. Just a code is now verification? Not according to FCRA.

Experian is violating so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A - Congressional findings and statement of purpose, & 15 U.S. Code 1681B - Permissible purposes of consumer reports & 15 U.S. Code 1681E. No consumer reporting agency may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the consumer report is accurate unless they have proof. As a matter of fact, no consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 

If Experian has it, I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to act as a part of your investigation to have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please. My credit report is very important to me, and I believe it is being unjustly degraded as a result of these unfortunate errors. 

And if Experian continues to list these inaccurate items on my credit report. I will find it necessary to sue you for actual damages and declaratory relief under the FAIR CREDIT REPORTING ACT & FDCPA. Because the FAIR CREDIT REPORTING ACT provides concurrent jurisdiction in federal and state courts. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FAIR CREDIT REPORTING ACT If this collection is not permanently expunged from my record. I very much look forward to getting this resolved as soon as possible. THANK YOU

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