Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: MO
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:
I am requesting my credit report be updated to reflect the following information based on my supporting documentation, I am requesting deletions from XXXX XXXX XXXX XXXX XXXX per my Experian credit report these items were deleted XX/XX/2023 and no longer should be listed on my credit report. Per FCRA guidelines a request for validation or correction is only a 30 day timeframe to provide said documentation, and the following creditors have not complied with FCRA guidelines, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX need to be deleted As these creditors have not complied by FCRA guidelines to provide me with the proof this debt is valid although you have indicated the debt is valid it is not if the validation is not received within 30 days by me the consumer, verify in which method you verified this debts were mine as stated because sufficient documentation has been provided, per my last request the feedback provided was to contact the following creditors listed I have not received any correspondence and am requesting the debt be deemed unverifiable As I have continued to dispute, based on the information provided by the credit bureaus as they have validated the debt I have not received validation from said creditors they are listing and have not received correspondence and request the validation of debt from the Credit Bureau as to how, what was used to validate the debt on their end, if the credit bureaus do not provide this information to support the request after following instructions to verify with the creditors received 0 compliance from listed creditors I am now requesting the alleged debt be deleted based on FCRA guidelines not being followed by credit bureaus or creditors because nothing has been validated or verified, not one correspondence has been received by me regarding my request sent out on XX/XX/2023. The timeframe has expired and these are unverifiable alleged debt causing me severe financial hardship and delete these because they fall outside of FCRA guidelines, no one is providing sufficient documentation as the alleged debt being valid, no updates are needed it needs to be deleted because how is the credit bureau validating the debt as valid with no supporting documentation provided to me from the credit bureau or creditors, they are in direct violation of FCRA guidelines and I want all erroneous charges deleted. 

XXXXXXXX XXXX XXXX XXXX is a debt collector and has not filed FCRA guidelines for my request for validation this needs to be deleted as the information submitted is not sufficient enough for validation based on FCRA guidelines. Delete this. 
XXXX XXXX has not sent sufficient validation of debt and the address listed on the correspondence is not valid address linked to my SSN or credit file, this is unverifiable delete this and any other debt listed by a creditor associated with the address XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX. 
XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX have failed to comply with FCRA guidelines as they are not validating debt and sent correspondence indicating that the information I previously disputed was " not provided to the consumer reporting agencies '' please delete this as this creditor/credit bureau is furnishing inaccuracies and erroneous charges against my credit file and SSN, as they are conflicting statements throughout this entire dispute process that conflict with the Credit bureaus updates of debt has been validated and they are outside of FCRA guidelines and this needs to be deleted. 
XXXX XXXX is a debt buyer on behalf of XXXX which Experian has deleted, and all credit bureaus need to delete this file and XXXX and XXXX XXXX XXXX as they have sold this debt and should no longer be reporting against the credit report, this alleged debt is conflicting and requesting all 3 Alleged debts be removed for unverifiable inaccurate information and previously deleted transaction that was found unverifiable. 
XXXX XXXX XXXXXXXX needs deletion due to the nature of the correspondence is not a validation of debt this alleged bill summary does not meet FCRA guidelines. Delete this. 


I have provided a thorough list of supporting documentation for the following accounts and reasons why these erroneous/alleged debts causing severe hardship on my credit file and against my SSN.

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