Consumer complaint received 2022-11-22
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: Information belongs to someone else

Complaint:
I have been battling with these bureaus for months now about reporting inaccurate information. I have asked for proof of debt with validation me proof and validation, proof of 1099c for the debt etc ... in a timely manner and still have not received my request. so now I Will take this case to the next level because this inaccurate reporting is TARNISHING ME AND MY FAMILY AND IT MUST STOP! Without Prejudice15 US code 1681s-2 ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.15 us code1681 accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US CODE 1692g validation of debt ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) DISPUTED DEBTS. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I agree to pay back any financial obligation in which I lawfully owe, ON THE CONDITION if you provide : XXXX Validation of debt- that is the actual accounting. XXXX Verification of the Claim against me ; that is a signed invoice. XXXX A copy of the contract binding both parties ( Me and You, in a letter by Certified Mail so that there is an independent witness to it having been delivered. send me proof alleged debt specifically the original alleged application bearing my signature that provide proof to me that you are not reporting misleading information

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