Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CERTIFIED MAIL RETURN RECEIPT REQUESTED [ Tracking No. ] XXXX XXXX XXXX, XXXX Experian XXXX XXXX XXXX Credit Report Disputes XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ..promptly DELETE all information which can not be verified. '' | request that you do this immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 
Name of Account : Account Number : Provide Physical Proof of Verification Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 
XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX You're currently using 163 % of your account 's limit. 
Balance {$860.00} Credit limit XXXX XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Youve made 70 % of payments for this account on time. 
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$610.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Consumer disputes after resolution Charged off account XXXX  XX/XX/XXXX days late XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 
GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX You're currently using 105 % of your account 's limit. 
Balance {$780.00} Credit limit XXXX XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs ) Payment History Youve made 83 % of payments for this account on time. 
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$780.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Consumer disputes this account information Charged off account Account closed by credit grantor Times  30/60/90 days late XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 
GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX You're currently using 106 % of your account 's limit. 
Balance {$4700.00} Credit limit XXXX XXXX Monthly payment {$140.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Youve made 100 % of payments for this account on time. 
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Amount past due {$190.00} Worst Payment Status 30-59 Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Account closed by credit grantor Account previously in dispute - Now resolved by data furnisher Times 30/60/90 days late XXXX Closed XXXX. XXXX, XXXX You could dispute an error with XXXX SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 
GO TO XXXX Creditor Information XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX You're currently using 107 % of your account 's limit. 
Balance {$4200.00} Credit limit $ 4000 Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Youve made 70 % of payments for this account on time. 
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$4200.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Consumer disputes after resolution Charged off account Account closed by credit grantor Times 30/60/90 days late XXXX Closed XXXX XXXX, XXXX You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 
GO TO XXXX Creditor Information XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX You're currently using 144 % of your account 's limit. 
Balance {$860.00} Credit limit XXXX XXXX Monthly payment No Info Opened XXXX XXXX XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 86 % of payments for this account on time. 
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$860.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Consumer disputes this account information Charged off account Account closed by credit grantor Times 30/60/90 days late XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 
GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX You're currently using 133 % of your account 's limit. 
Balance {$2800.00} Credit limit XXXX XXXX Monthly payment No Info Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 78 % of payments for this account on time. 
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$1000.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Consumer disputes after resolution Charged off account Times 30/60/90 days late XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 
GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX You're currently using 92 % of your account 's limit. 
XXXX {$910.00} Credit limit XXXX XXXX  Monthly payment {$45.00} XXXX XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 77 % of payments for this account on time. 
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status 120+ Days Late Amount past due {$910.00} Worst Payment Status 120+ Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks 120 Days past due Times 30/60/90 days late XXXX Closed XXXX XXXX, XXXX You could dispute an error with XXXX SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 
GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX You're currently using 149 % of your account 's limit. 
Balance {$590.00} Credit limit XXXX XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 80 % of payments for this account on time. 
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$590.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Times 30/60/90 days late XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 
GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX 're currently using 44 % of your account 's limit. 
Balance {$350.00} Credit limiXXXX XXXX XXXX Monthly payment {$6.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 97 % of payments for this account on time. 
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Closed Type Secured Credit Card Responsibility Individual Account. 
Remarks Variable/adjustable Rate Times 30/60/90 days late XXXX XXXX XXXX. XXXX, XXXX You could dispute an error with XXXX SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 
GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX ) XXXX Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 
XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
Inquiry : XX/XX/XXXX + All Banks XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + All Banks

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