Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of certain information on my credit report that was provided by your agency. The following information is in question : XXXX XXXX of XXXX XXXX # XXXX and XXXX XXXX {$2100.00} XXXX XXXX {$2100.00} XXXX XXXX {$1300.00} XXXX {$4500.00} XXXX XXXX {$1500.00} XXXX XXXX {$2800.00} I am disputing this information based on my rights under the Fair Credit Reporting Act ( FCRA ) and related laws, specifically 15 USC 6802, 15 USC 1681, 15 USC 16 and 15 USC 1602.

Under 15 USC 6802, credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports. The information I am disputing is inaccurate, and I believe it was included in my credit report without proper verification. 
Additionally, under 15 USC 1681, I have the right to dispute any inaccurate information on my credit report with the credit reporting agency. I am exercising that right now and requesting that you investigate the accuracy of the information I am disputing. 
Furthermore, under 15 USC 1602, I have the right to receive a notice of adverse action if my credit report was used in whole or in part to deny me credit or other benefits. I did not receive any such notice, and I believe that the inaccurate information on my credit report may have been a factor in being denied credit or benefits. 
I request that you investigate the accuracy of the information I am disputing and provide me with the results of your investigation. If the information is inaccurate, I ask that you correct or delete it from my credit report as required by law.I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 

Additionally, under 15 USC 16, credit reporting agencies are prohibited from engaging in unfair or deceptive practices. I believe that the inclusion of inaccurate information in my credit report without proper verification constitutes an unfair and deceptive practice. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is at this moment requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX This debt was turned into Income that I paid taxes on in XXXX and should not be negatively effecting my credit report. I tried to resolve this debt from prison and this is the letter they sent me in prison. I can not even get a home because of this these negative accounts and that is not fair to me. Since I paid the taxes and tried to set up a payment plan from prison and they turned my debt into income..

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