Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : Dispute of Debt Collection ( Account Number : XXXX ) and Urgent Request for Investigation and Rectification Dear Sir/Madam : I am writing to express my serious concern and dispute regarding a specific, inaccurate collection entry on my consumer report. 

Account Name : XXXX XXXXAccount Number : XXXXAmount Owed : {$540.00} as of XX/XX/2023 I assertively challenge the validity of this debt. On XX/XX/2023, I returned the specified items to a XXXX store in New York. Despite being assured of the proper return process, this debt erroneously appeared on my credit profile. 

This unmerited mark not only jeopardizes my financial reputation but has caused significant emotional distress. I've spent countless hours on the phone, mailed evidence, and painstakingly attempted to rectify this situation, only to face continuous roadblocks and a lack of clarity. 

The stress stemming from this matter has been exacerbated by the looming implications it carries. I've found myself questioning future financial decisions, concerned about potential higher interest rates, and apprehensive about the prospect of being declined for financial products or services due to this unwarranted blemish on my credit profile. Furthermore, this experience has left me feeling violated that despite my genuine efforts and rightful actions, my financial narrative can be inaccurately portrayed. This is not just an errant number or a misreported transaction ; it's a reflection of me that is being inaccurately and unfairly tarnished. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I draw your attention to the following sections : 1681i : Mandates credit reporting agencies, like Experian, to conduct a comprehensive and timely reinvestigation when a consumer disputes information.

1681g : Highlights my right to know every piece of information you have about me, including the sources of that information.

1681j : Ensures that no unwarranted charges are levied against me during this dispute process.

1681s-2 ( a ) : Clearly outlines the duties of furnishers of information to provide accurate data. In this context, XXXX XXXX may have violated this provision. 

My objective is straightforward : I seek an immediate and thorough investigation into this matter. The enclosed receipt unequivocally confirms the return of the XXXX equipment. It is my belief that with this evidence, coupled with the responsibilities of both credit bureaus and information furnishers under the FCRA, this unjustified debt collection entry should be removed expeditiously. 

Any failure or undue delay in addressing my concerns and rectifying this error will not only infringe upon my rights under the FCRA but may also compel me to take legal action to safeguard my interests. 

Please treat this letter with the urgency and seriousness it warrants. 

Enclosed : Receipt of returned XXXX XXXX Internet 5G router and receiver dated XX/XX/2023.

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