Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam : I am writing to dispute the validity of several accounts that your company has reported to the credit bureaus. According to my credit report, your company is reporting the following accounts : DEPT OF EDUCATION/XXXX  [ Account Number : XXXX ] : This account is being reported as a charge off. Please provide validation of the debt, including proof that your company is in compliance with all applicable laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Credit Card Accountability Responsibility and Disclosure Act ( CARD ). 

XXXX XXXX XXXX XXXX [ Account Number : XXXX ] : This account is being reported as a collection account. Please provide validation of the debt and proof that your company is in compliance with all applicable laws, including the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 

XXXX XXXX XXXX [ Account Number : XXXX ] : This account is being reported as a charge off. Please provide validation of the debt and proof that your company is in compliance with all applicable laws, including the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ] : This account is being reported as a charge off. Please provide validation of the debt and proof that your company is in compliance with all applicable laws, including the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 

XXXX XXXX XXXX XXXX [ Account Number : XXXX ] : This account is being reported as a charge off. Please provide validation of the debt and proof that your company is in compliance with all applicable laws, including the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 

XXXX XXXX XXXX XXXX [ Account Number : XXXX ] : This account is being reported as a charge off. Please provide validation of the debt and proof that your company is in compliance with all applicable laws, including the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 

Bankruptcy [ Account Number : XXXX ] : This account is being reported as a bankruptcy. Please provide validation of the debt and proof that your company is in compliance with all applicable laws, including the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 

I dispute these accounts because [ provide a brief explanation of why you are disputing the accounts ]. I demand that you immediately stop reporting these accounts to the credit bureaus and take any necessary actions to correct the erroneous information that you have reported. If you can not provide me with the requested information, I demand that you cease all collection activities on these accounts. 

Please respond to this dispute within 30 days of receipt of this letter. Failure to respond or provide the requested information will be interpreted as an admission that these debts are. 
Thank You, Sincerely, 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