Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
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:
I am writing to dispute the accuracy of the late payments appearing on my credit report. I believe that the late payments are an inaccurate representation of my payment history. 
I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate any dispute of information on my credit report that I submit to you in writing. I am requesting that you remove the late payments, as I am asserting that the late payments are inaccurate according to section 1608 ( a ) of the FCRA. 
I am requesting that you immediately remove the late payments from my credit report. Update payment history to be paid as agreed and never late I need you to investigate the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request you provide me with proof of alleged late payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on XXXX  XXXX XXXX. As well as for XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX if unable to provide or lacking proof of this payment being late. Update payment history to be paid as agreed and never late. Please provide a detailed description and procedure used in your process to determine complete accuracy. Once you have finished your investigation send me an updated credit report. To the address stated above I am writing to dispute the account referenced below. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agencies myself and have been unable to get them to verify that this is indeed my debt. 
I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

The following accounts are to be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief