Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Requested for Experian To Provide Proof and ALL documentation of its In depth investigation on this account or immediate removal of the incorrect information/Account in my credit report in Compliance Credit Reporting Laws and Regulations on Report Number XXXX XXXX II- Notice of Formal Dispute The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

In accordance with the Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients.

Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], provide clear and accurate consumers information Pursuant To Fair Credit Reporting Act, 15U.S.C. 1618 et seq, I am requesting that the information regarding my personal information and accounts disputed be verified Or REMOVED from my credit report Pursuant to FCRA section 611 ( a ) ( 2 ) ( A ) and section 609 ( c ) ( 1 ) you are required to provide me ALL relevant information Documentation and proof gathered during your investigation ) Experian Repeatedly Refused Remove the inaccurate personal information from my credit report cousin emotional distress as well as financial distress Experian Repeatedly failed to provide an option for me to dispute the incorrect personal information on Line, thus costing me additional money ( paper, ink, mailing fee, postage fee ) I XXXX XXXX once again Dispute the Inaccurate information as it appears in the credit reports generated by you Report Number XXXX XXXX XXXX XXXX XXXX {$970.00} Account name XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/ Status Collection account. {$970.00} past due Status updated XX/XX/ Balance {$970.00} Original balance $XX/XX/XXXXMonthly payment - - Past due amount {$970.00} Terms 1 Month Responsibility Individual I have no knowledge of this collection account XXXX Failed to Validate this debt. 


****Pursuant to 15 usc 1692g Please Provide proof and ALL documentation for your in depth investigation on this Inaccurate information/Account or Remove it from my credit report Immediately, Including but not limited to : 1- My signature on the contract 2 -Chain of title 3 -Chain of title that gives XXXX legal authorization to collect on this debt 4 -Detailed list of the payment history made by me on this account 5 -Any and ALL insurance claims filed on this debt 6 - Original signed contract that shows I am responsible for this debt 7 - My credit application for this debt 8 -Provide verification and documentation about why this is a debt that I am required to pay To XXXX Sincerely, XXXX XXXX Phone : XXXX XXXX XXXX Notice of Formal Dispute I am writing to formally dispute Inaccurate information as presented in credit Reports Generated by you. I am currently disputing the validity and accuracy information listed below and demand that you either provide all the necessary documentation as required by FCRA and the consumers right laws, or DELETE the inaccurate account XXXX XXXX once again Dispute the Inaccurate information as it appears in the credit reports generated by you Report Number XXXXXX/XX/XXXXXXXX XXXX XXXX {$970.00} Account name XXXX XXXX XXXX Account number XXXX XXXX opened XX/XX/XXXXStatus Collection account. {$970.00} past due Status updated XX/XX/ Balance {$970.00} Original balanceXX/XX/XXXX Monthly payment - - Past due amount {$970.00} Terms 1 Month Responsibility Individual I have no knowledge of this collection account XXXX Failed to Validate this debt. 

It is my believe that among other issues Experian is in Violation OF Fair Credit Reporting Act Experian is in Violation of my Rights as consumer as described under Fair Credit Reporting ACt Experian is obligated by law to provide my personal information accurately and truthfully ***I demand that Experian either provides proof and validate the inaccurate personal information listed above or DELETE them Immediately from my credit report Pursuant to 15 usc 1692g Please Provide proof and ALL documentation for your in depth investigation on this Inaccurate information/Account or Remove it from my credit report Immediately, Including but not limited to : My signature on the contract Chain of title Chain of title that gives XXXX legal authorisation to collect on this debt Detailed list of the payment history made by me on this account Any and ALL insurance claims filed on this debt Original signed contract that shows I am responsible for this debt My credit application for this debt Provide verification and documentation about why this is a debt that I am required to pay To XXXXXX/XX/XXXXIn the absence of providing the requested documentation, I demand that you DELETE them Immediately from my credit report I appreciate your attention to this matter and your prompt response. If you have any questions or need further clarification, please do not hesitate to contact me at the phone number or email address provided above. 

What would be fair Resolution 1-Pursuant to section 611 ( a ) ( 2 ) ( A ) and section 609 ( c ) ( 1 ) Experian to provide me ALL relevant information Documentation and proof gathered during investigation credit report Immediately, Including but not limited to - My signature on the contract - Chain of title - Chain of title that gives XXXX legal authorization to collect on this debt - Detailed list of the payment history made by me on this account - Any and ALL insurance claims filed on this debt - Original signed contract that shows I am responsible for this debt - My credit application for this debt - Provide verification and documentation about why this is a debt that I am required to pay To XXXX XXXX Experian To Delete the inaccurate information listed below : XXXX XXXX XXXX {$970.00} Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXStatus Collection account. {$970.00} past due Status updated XX/XX/ Balance {$970.00} Original balanceXX/XX/XXXX Monthly payment - - Past due amount {$970.00} Terms 1 Month Responsibility Individual. I have no knowledge of this collection account XX/XX/XXXX Failed to Validate this debt. 
I Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Requested for Documentation in Compliance with Fair Debt Collection Practices Act FDCPA 3- Experian to be held accountable for reporting inaccurate information on my credit report 4- Experian to be held accountable for FAILING to correct my inaccurate information on my credit report upon my Dispute requests Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Phone : 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