Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account # XXXX XXXX XXXX XXXX ( XXXX XXXX Format Dispute ) Complaint Reference : # XXXX Dear Experian, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and references complaint # XXXX. Using the Metro 2 format, I request an immediate investigation and correction of the following inaccurately reported information regarding my account : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Charge Card ( Compliance Condition Code 02 Charge-off ) Open Date : XX/XX/XXXX Current Balance : {$320.00} Credit Limit XXXX {$2500.00} Date of First Delinquency : XX/XX/XXXX Date of Charge-off : XX/XX/XXXX Current Status : Charge-off with {$120.00} past due Compliance Condition Codes for Dispute ( Metro 2 ) 1 . Compliance Condition Code 88 ( Account Disputed by Consumer ) : This account contains inaccurate information regarding the charge-off status and the past due amount of {$120.00}. I request an immediate investigation into these discrepancies. 
2. Compliance Condition Code 24 ( Account Paid in Full/Was a Charge-off ) : The reported balance of {$320.00} and the charge-off status are inaccurate and do not reflect any settlements or payments. I request a verification and recalculation of the complete payment history and balance.

3. Compliance Condition Code 19 ( Verify All Account Details ) : I request validation of all account details, including the signed contract, original account agreement, and payment history documentation to ensure accuracy in reporting.

4. Compliance Condition Code AW ( Dispute Investigation Information ) : The investigation completed in XX/XX/XXXX did not correct the erroneous information. I request a reinvestigation as the prior investigation results are incomplete. The errors in status, balance, and delinquency dates persist. 

Data Furnisher Responsibility ( FCRA Section 623 ) Under FCRA Section 623, XXXX XXXX XXXX is required to provide accurate information. The following inaccuracies have been reported : Balance : The reported balance of {$320.00} and the past due amount of {$120.00} are incorrect. I request an update or deletion of these figures if they can not be validated. 
Status : The charge-off status is incorrectly reported, and the dates of delinquency do not match my records. Proper validation is necessary. 
Payment History : The payment history leading to the charge-off is incomplete, and there is no justification for how the balance accrued to {$320.00}. 

Request for Immediate Action I request that the following actions be taken as part of your investigation : 1. Validate All Account Data : Please provide the original signed contract and full payment history for this account. If XXXX XXXX XXXX can not supply this information, the account should be deleted from my credit report. 
2. Correct or Delete Inaccurate Information : If any errors are found during the investigation, I request the immediate removal of the account or the correction of the balance, status, and payment history.

3. Provide Results of Investigation : In compliance with FCRA regulations, I request a report of your investigation findings within the 30-day period stipulated by law. If XXXX XXXX XXXX can not verify the information, the account must be removed from my credit report. 

Dispute Summary ( Metro 2 Fields ) Compliance Condition Code : 88 ( Account in Dispute by Consumer ) ECOA Code : 1 ( Individual Account Responsibility ) Consumer Information Indicator ( CII ) : XH ( Account disputed by consumer ) Special Comment : XB ( Account information disputed by consumer ) Thank you for your prompt attention to this matter. I look forward to a thorough investigation and appropriate corrective actions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Follow-up Dispute for Account XXXX ( {$320.00} ) - Complaint # XXXX Dear Bodie XXXX rep, I am writing to follow up on my previous complaint ( # XXXX ) regarding the fraudulent Kikoff Lending LLC account, which was created in my name without my authorization. Despite your review and response dated XX/XX/XXXX, where you concluded there was insufficient evidence to support the removal of this account, I must reiterate that I am a victim of identity theft and did not authorize this account. 

Issues with Response : 1. Identity Theft Documentation : As enclosed in my initial complaint, I provided an Identity Theft Report, police report, and a copy of my credit report indicating this account as fraudulent. These documents support my claim under the Fair Credit Reporting Act ( FCRA ) for immediate removal of this account from my credit file.

2. Electronic Acknowledgement of Terms : Your response mentions that the application process included electronic acknowledgement of your terms. However, I did not authorize the creation of this account, nor did I engage in any electronic signing process related to this transaction. Any electronic signature attributed to me was done without my knowledge or consent and should not be considered valid.

Request for Further Action : Under FCRA Section 605B and in light of my identity theft documentation, I request the following : 1. Immediate Account Removal : In compliance with the FCRA, you are required to cease reporting any information related to this fraudulent account to the credit bureaus. I request the immediate removal of this account from my credit reports. 
XXXX. Written Confirmation : Provide written confirmation that this account has been removed from all credit reporting agencies and that I am absolved of any financial responsibility for this account. 
XXXX. Investigation Report : I request a detailed explanation of the steps taken during your investigation, including how the information provided in my Identity Theft Report, police report, and credit report was evaluated. If XXXX XXXX XXXX can not conclusively prove that this account was legitimately opened by me, the account must be removed as required by law. 

I expect a prompt resolution to this matter and ask that you comply with FCRA regulations by removing this fraudulent account. Failure to act will result in further action, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal avenues as necessary. 

Please send your response to the address listed above, or email me at XXXX. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Police Report Credit Report CFPBs Notice to Furnishers of Information