Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX To Whom It May Concern, I just got my report and I think it's wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 
XXXX name XXXXXXXX XXXX Account number XXXX Charge off 2-Account name XXXX XXXX Account number XXXX Charge off 3-XXXX name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Late payment XXXX name XXXXXXXX XXXX Account number XXXX XXXX type Credit card Deadcharge off Account name XXXX XXXX XXXX Account number XXXX Account typeCollection 6-Account name XXXX XXXX XXXXXXXX Amount {$230.00} Collection Has violated my right. 15 U.S.C 1681 section 602 A. states I have the right of my privacy. 15 U.S.C 1681 section604 A. It's also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer reporting containing any of the following items information any other adverse item of information, other than the record of conviction of crime which intent the report by more than seven years 68 awesome 15 U.S.C. 1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency 's if the person knows or has responsible cause to believe that the information is inaccurate.

Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance 1.Delete account for failure to perform an investigation per fcra regulation I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 2.Cancel contract. Please provide the original contract or delete Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

3.Cancel contract. Please provide the original contract or delete This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

4.Identity Theft.

Please ensure that all information is accurate 5.I have paid as agreed on time this is an error This is not mine.

6.Cancel contract. Please provide the original contract or delete Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 7.The inquiry was not authorized I respectfully ask for you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

I also heard that under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, _________________________________________ 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