Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have set multiple letter to the credit bureaus in regards to the errors that are reporting on my credit report. I have yet to receive a response from the company. I have been studying the consumer laws and from my understanding, these company 's have 30 days to respond to me. Please review this matter and remove this collection from my credit report immediately. 

Latest letter sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear XXXX There are issues with my credit report. I need some help if you dont mind. Check out the issues below : XXXX XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX, Each bureau is showing a different Date last active. Delete it from my credit Report Today! 



I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items above. The reasons why these items should be deleted are indicated above : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Please DO NOT USE THE E-OSCAR method of verifying these accounts. I am requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address noted above. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Open account INSTALLMENT Open Account Account Type - Detail : Open account Debt Buyer Open Account Bureau Code : Individual account Individual Individual Account Account Status : XXXX XXXXXXXX XXXX Monthly Payment : - - - Date Opened : XXXX XXXX XXXX Balance : {$2000.00} {$2000.00} {$2000.00} No. of Months ( terms ) : - 1 Month - High Credit : {$2000.00} {$2000.00} {$2000.00} Credit Limit : - - - Past Due : - - - Payment Status : - Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department - Last Reported : XXXX XXXX XXXX Comments : Placed for collection - COLLECTION ACCOUNT Date Last Active : XXXX XXXX XXXX Date of Last Payment : - - - Two-Year payment history Month 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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 explanation