Consumer complaint received 2022-10-21
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:
To Whom it may concern, This is my THIRD attempt to remove items that have not been validated on my report after two failed attempts. I will NOT be blatantly ignored and treated as though I am ignorant. Federal law is clear as to what the scope of validation and documentary material is so my requests are not tedious or malicious. I have studied my rights as a consumer under Section XXXX23 of the FCRA, FCC FRA, Truth in Lending as well as administrative process. It has come to your attention numerous times that there are several inaccuracies within my consumer report that need to be corrected immediately. You have failed to comply with my requests TWICE. I am no longer demanding proof of ownership for the accounts in question below I am DEMANDING IMMEDIATE REMOVAL. I DO NOT GIVE PERMISSION FOR THE ACCOUNTS TO BE LISTED ON MY REPORT, continuation to not respond accordingly to these below accounts are VIOLATIONS OF FEDEERAL LAW. The accounts in question are below XXXX XXXX XXXX XXXX  This is my Third attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was NO full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. I DEMAND removal immediately. XXXX XXXX XXXX This is my Third attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. This account has also reached its statute of limitations on debt in Georgia pursuant to XXXX XXXX. .I DEMAND removal immediately. XXXX XXXX XXXX- This is my THIRD attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. This account has also reached its statute of limitations on debt in Georgia pursuant to XXXX XXXX. .I DEMAND removal immediately. XXXX XXXX XXXX This is my THIRD attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. This account has also reached its statute of limitations on debt in Georgia pursuant to XXXX XXXX. Please remove immediately. XXXX XXXX XXXX Pursuant to 15 USC 1666 , late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. XXXX XXXX XXXX - Pursuant to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. XXXX XXXX XXXX XXXX - Pursuant to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. XXXX XXXX XXXX IN ORIGINAL CREDITOR ; XXXX XXXX XXXX XXXX This is my THIRD attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. I have also attached proof of a XXXX balance for this account from the creditor. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. ORIGINAL CREDITOR ; EMERGENCY GROUP OF - This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character Your offices DID NOT provide proper documentation as requested in my previous request. If the alleged debt accounts are not removed immediately, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, Experian and XXXX ) request shall be sent to me immediately. AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately. CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY Thank you, 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