Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
be made aware this is now my XXXX correspondence pretaining to this incorrect, inaccurate information on my my consumer credit file. 

I am the consumer and natural person made of flesh and blood, Be aware I AM NOT REQUESTING AN INVESTIGATION, I am REQUESTING VALIDATION OF THESE ALLEGED DEBTS! 
" I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. XXXX Who is the original creditor? XXXX. The creditors address and telephone number XXXX. The persons name that they ( credit bureau ) verified the dispute with XXXX. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. " as stated in my previous complaint... 
these are the questions I am requesting be answered in order to validate this alleged debt you are claiming I owe, Again I want to reiterate If you can provide this information pursuant to 15 USC 1692g - debt validation, Then I will have no problem leaving this alleged debt, after it has been validated, On my consumer credit profile.

also want to state the following : pursuant to 15 USC 1681i - procedure in case of disputed accuracy. 
which I have established in my previous complaint that the accuracy of the credit report is invalid as this account does not appear on all three major credit reporting agencies. 
also want to take the time to point out the fact that pursuant to 15 USC 1681 section 602 A, states I have a right to privacy, pursuant to 15 USC 1681 section 604 A, also states that a consumer reporting agency can not furnish an account without my written instructions. 
-at which point I would like to point out that XXXX XXXX has never received an initial written correspondence from me asking them to furnish information on my behalf and gather account information on my behalf. 
also pursuant to 15 USC 1666B, states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
-meaning if there are any late payment that appear on my report are in direct violation of this law and also a violation of 1. 15 USC 1692k - civil liabilities, 2. 15 USC 1692e - misleading representations 3. 15 USC 1640 - civil liabilities 4. 15 USC 1611 - Criminal liability for willful and knowing violation XXXX account # XXXX account type : revolving account account type ( Experian ) : charge card account type detail : revolving account account type detail ( Experian ) : XXXX XXXX code : individual account XXXX code : individual account status : closed date opened : XX/XX/2014 balance : XXXX high credit : XXXX credit limit : XXXX payment status : charged off as bad debt comments ( XXXX ) XXXX profit and loss write-off comments ( Experian ) : **consumer statement** XXXX item disputed by consumer just want to take the time now to address the fact that XXXX has already deleted this account XXXX So unless this account is validated pursuant to 15 USC 1692G. Then the debt and the reporting of said debt will have to be deleted from my consumer credit file. Since XXXX has deleted this information already I would highly advise that XXXX and Experian do the same since the files that I am requesting were not submitted in a timely fashion with my previous and final dispute with XXXX. lastly the fact that this account does not appear on the XXXX consumer credit file does mean that just off that XXXX fact the other XXXX credit reporting agencies are reporting false and or fraudulent information and keeping me from the very credit that gives XXXX XXXX life.

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