Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc. (FL)

FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX TO : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian Mailing Address : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Mailing Address : XXXX Consumer XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Dispute of Incorrect Collection and Inquiry Information Account Number : XXXX To Whom It May Concern, I recently reviewed my credit report and discovered incorrect information regarding the abovereferenced account. This account is inaccurately reported as open and shows a past-due balance of {$1500.00}, although it was previously charged off, with {$1500.00} written off and marked as past due as of XX/XX/XXXX. Also, this account is inaccurately reported as open and shows a past-due balance of {$680.00}, it was previously charged off {$680.00} written off and marked as past due as of and Highest balance {$780.00} as of XX/XX/XXXX. 

I contacted both collections agency for debt validation, and they were able to validate the debt, as such : 1. A detailed payment history for this account.

2. The original contract with my signature agreeing to this debt.

3. Any insurance claims filed against this debt.

4. The chain of title demonstrating your right to collect this debt.

5. The address of the original creditor and proof of ownership or assignment of this debt.

6. The purchase agreement for the debt.

7. A copy of the original contract with my original signature.

8. Proof of ownership or assignment of this debt.

9. A 1099-C form if this debt was charged off and considered income, as required by law. 

However, I am disputing the following points and requesting additional documentation under 15 U.S. Code 1692g.

The continued collection attempts after the charge-off violate the Fair Credit Reporting Act ( FCRA ). As per the FCRA, I am entitled to a credit report that is accurate and free from errors. Reporting this account as open and with a balance is inaccurate and a violation of my rights. 

I request that you remove this account from my credit report immediately. Please provide me with an updated copy of my credit report once this correction has been made. 
Below, I have listed two specific disputes related to incorrect collection and inquiry information.

I request the removal of the following accounts from my credit report due to incomplete or inaccurate reporting, which violates FCRA 15 USC 1681i ( 5 ) ( A ) : 1. XXXX XXXX XXXX XXXXXXXX potentially negative months Balance : {$1500.00} Credit usage : 100 % Status : Account charged off, {$1500.00} written off, {$1500.00} past due as of XX/XX/XXXX Credit limit : {$1100.00} Highest balance : {$1600.00} Last payment date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX potentially negative months Balance : {$680.00} Credit usage : 100 % Status : Account charged off, {$680.00} written off, {$680.00} past due as of XX/XX/XXXX Credit limit : {$500.00} Highest balance : {$780.00} Last payment date : XX/XX/XXXX Please ensure these accounts are removed from my credit report, and provide written confirmation of their removal. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX