Consumer complaint received 2024-09-26
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. (TX)

REPORT Number : XXXX I am writing regarding several accounts currently listed on my credit report that I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATION OF 15 USC 1681e ( b ) Accuracy of the Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Key Points : Reasonable Procedures : Consumer reporting agencies must have reasonable systems and processes in place to ensure that the information they report about consumers is accurate. 
Maximum Possible Accuracy : The CRA 's responsibility is not just to make sure the information is somewhat correct, but to take reasonable steps to ensure the highest level of accuracy possible.

Consumer Rights : If inaccurate information appears on a credit report, consumers have the right to dispute it, and the CRA must investigate and correct any inaccuracies.

VIOLATION OF 15 USC 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer regarding the collection of a debt, a debt collector must provide a written notice containing : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer, within 30 days after receiving the notice, disputes the validity of the debt or any portion thereof, the debt will be assumed valid by the debt collector.

4. A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion of it, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and will mail a copy of such verification or judgment to the consumer.

5. A statement that, upon the consumer 's written request within the 30-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 disputes the debt in writing or requests verification within the 30-day period, the debt collector must : 1. Cease collection of the debt 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 provides the requested information to the consumer in writing.

( c ) Admission of liability Failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action is not considered an initial communication for purposes of the debt validation notice requirement.

( e ) Notice provisions The sending or delivery of a notice required by subsection ( a ) shall not obscure or diminish the form, size, or content of any other notices required by this subchapter.

Key Takeaways : 1. Written Notice : Debt collectors must send a written notice within 5 days of initial contact detailing the debt, the creditor, and the consumer 's right to dispute the debt.

2. 30-Day Period to Dispute : Consumers have 30 days to dispute the debt in writing or request verification.

3. Cease Collection : If the debt is disputed or verification is requested, the debt collector must stop collection activities until they provide proper verification to the consumer.

4. No Automatic Admission : Failing to dispute the debt does not mean the consumer admits to owing it.

Pursuant to 15 USC 1692 ( g ) AND 15 USC 1681e ( b ), I request that you remove/delete these accounts immediately. I have several concerns that I would like addressed : I do not recognize how these accounts are reporting on my credit report. 
I do not recognize the account numbers of any of these accounts. 
I do not recognize the account status of these accounts. 
I do not recognize the account high balance on these accounts. 
I do not recognize the late payments associated with these accounts. 
I have not received any of the required information from these creditors, they are falsely reporting these accounts and claiming they are validated. 
The information provided by these companies does not meet the standards of accuracy and completeness required under the Fair Credit Reporting Act ( FCRA ). As such, I request an immediate deletion/removal of these accounts from my credit file. 
I request their immediate removal from my credit report. I expect a prompt response and full resolution of this matter.