Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern, On XXXX XX/XX/XXXX, I moved into my apartment at the XXXX XXXX XXXX XXXX in which I completed my lease as a paying tenant of every month. In XX/XX/XXXX, the complex filed a writs of assistance against me in which we were required to appear at the XXXX XXXX the morning of XXXX XX/XX/XXXX. Just for clarification purposes, I was never evicted or subject to eviction. After thorough investigation, all parties ( the complex, the judge and I ) reached an agreement in which is evident by the wet signatures of all parties involved o the original contract from that date. This agreement clearly states that due to me already vacating the premises, I owe nothing and am in debt to no one. Furthermore, I was specifically told that there should be nothing regarding this matter reporting to my credit. However, after recent speculation of my report, not only is the creditor reporting invalid and incorrect information in which had negatively affected my overall report, but I have not received any notification whatsoever regarding my right to dispute this inaccurate information. After attempts to dispute this inaccurate matter, it came back as validated and updated. The updated information was also incorrect and a further violation of my rights as a consumer. Below, I have included a list of violations I am encountering from both the creditor and credit reporting agencies along with the attached original document. 

In accordance to the Fair Credit Reporting Act Account # XXXX has violated the following rights : - 15 U.S.C 1681 Sec 602 in which states I have a right to privacy.

- 15 U.S.C 1681 Sec 604 in which states my written consent is required in order to furnish my report.

- 15 U.S.C 1692g Sec ( a ) - Validation of debts in which requires a debt collector to notify me of my right to dispute inaccurate information via written notice. Sec ( c ) - Admission of liability states that failure to validate the debt may not be construed as an admission of liability. Section ( d ) - Legal pleadings clarifies that communication in the form of a formal pleading civil action should not be treated as an initial form of communication. I have yet to received any notification or form of direct or indirect communication from anyone regarding this matter.

- 15 U.S. Code Sec 1681i - Procedure in case of disputed accuracy requires the credit reporting agency to conduct a thorough investigation before coming to a conclusion. Instead, the response I received was further inaccurate information that threatens my credit report even more than before. The original documents were not included, nor was any of the required subjects investigated or questioned in order to contribute to this fast decision. This proves the failure to follow proper dispute procedures.

- 15 U.S. Code Sec 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states that a creditor can not knowingly supply incorrect information to a credit reporting agency.

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