Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
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:
Information has been reported in error. Have sent multiple requests to alleged creditors and not resolved. This has inadvertently damaged my credit report after filling identity theft report and communicating such to bureaus. 

What I requested Please send me copies of the documents that you have in your files as of date that disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying accounts have been verified. Send me copies of the documents that you have in your files that you used to verify them. 
Account numbers referenced XXXX XXXX XXXX  XXXX XXXX  XXXX In accordance with section 609 ( e ) of the Fair Credit Reporting Act, please send me copies of business records relating to the the above referenced account number. The law directs you provide me with these documents for free and without requiring a subpoena within 30 days of getting my request. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have a legal obligation to pay you. 
Please provide the following : At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, Experian or XXXX ) This action might constitute fraud under federal and state laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to Documentation as requested in the following declaration, that will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, If any action is taken which could be considered detrimental to any of my credit reports I will consult with my legal counsel for suit this includes any lists any information to a credit reporting repository that What the money you say I owe is for ; Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide verification or copy of any judgment if applicable ; Identify the original creditor ; The statute of limitations has not expired on this account ; Show me your license to collect in my state ; Guide me with your license number and Registered Agent. 
XXXX could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided documents What I received Letter that debt was removed and corrected Statements mailed Bills for frivolous accounts with varying amounts The problem is still an issue and XXXX XXXX  is still reporting via credit agencies this information. The credit agencies have NOT verified the debt and produced documentation as well. 
Reported to ( Misrepresentation, Unverified ) XXXX XXXX  XXXX XXXX XXXX XXXX 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 non-monetary relief