Consumer complaint received 2023-01-03
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 information incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- all XXXX are showing as XXXX through Bankruptcy XXXX  XXXX late. -- -- - the bankruptcies were not validated, and all XXXX credit reporting agencies removed them after getting verification from the courts. Now Experian was placed on Notice but has failed to remove these 3 accounts knowing they are reporting inaccurate information affecting my credit worthiness. 15 U.S. Code 1692g - Validation of debts -- -- in all 3 above they were included inside of the bankruptcy, and it was not validated so now they have removed them to outside, but the note still stands that it was included in that file. I am respectfully asking that these be DELETED ASAP. XXXX XXXX XXXX XXXX is reporting every single month and starting over as Closed- written off with a balance as well as a credit limit- all of this is inaccurate information the debt still has not been validated with a contract or wet signature, yet it is still being reported on my file and I would like it Deleted ASAP. XXXX XXXX XXXX - sent me a letter that states they are not reporting late payments to the company, yet they are reporting transactional history and I would like that removed from my history ASAP I have included the email from the company. I have sent the company a XXXX XXXX letter due to the other XXXX agencies honoring the deletions and lack of validation and if not mistaken Upon challenging this, XXXX and XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate and reported as negative. I noticed as A result of challenging this account with your company you have verified this same account which is odd as you still have not validated the debt and sent me factors to show as I have proof from the bankruptcy courts that no such validation was done. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. You are also reporting the below, but the other XXXX companies have removed these items. PLEASE DELETE ASAP In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. List the Account name and account number has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to Privacy. 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681C ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other that records of conviction of crimes which antedates the report by more than XXXX  years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In closing also all XXXX XXXX are reporting as Potentially negative when payments were never late, and the accounts were paid in full. Please place them in good standing as reported on my other educational loans.

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