Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1666 ( b ) Invalid late payment XXXX  Account Number : XXXX invalid late payments - Payments were submitted on time from my account, May of not pulled in time but was paid on time 2. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 3. 15 U.S. Code 1692g Validation of debt XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 4. 15 U.S Code 1666 ( b ) XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 5. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 6. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 7. FDCPA section 807 Violation Misleading False Reporting U S DEPT OF EDXXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 8. FDCPA section 807 Violation Misleading False Reporting U S DEPT OF EDXXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 9. FDCPA section 807 Violation Misleading False Reporting U S DEPT OF ED/XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 10. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 11. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 12. FDCPA section 807 Violation Misleading False Reporting XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 13. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 14. The following personal information is incorrect Account Number : Name : XXXX XXXX 15. The following personal information is incorrect Account Number : Date of Birth : XXXX 16. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 17. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 18. The following personal information is incorrect Account Number : Employers : XXXX XXXX 19. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX  20. 15 U.S. Code 1692g Validation of debt XXXX XXXX XXXXXXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 21. 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX XXXXXXXX XXXX. 
Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank You Sincerely yours, 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