Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My rights under the Fair Credit Reporting Act ( FCRA ) have been infringed, and I am seeking immediate rectification. 

I have previously contacted Experian regarding a debt that appears on my credit report. As a consumer, I am entitled to request and receive verification of any debt reported to the credit bureaus. Specifically, I requested proof or records of the debt, including original documents with wet signatures, to verify the legitimacy and accuracy of the reported debt. 

The accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my request, Experian has failed to provide the necessary documentation with wet signatures. This omission is a direct violation of the FCRA, which mandates that credit reporting agencies ensure the accuracy and completeness of the information they report. By not furnishing the requested proof, Experian has compromised the integrity of my credit report and my ability to dispute inaccurate or incomplete information.

The relevant sections of the FCRA that pertain to my complaint include : 1. Section 609 ( a ) ( 1 ) - Disclosures to Consumers : This section grants consumers the right to request all information in their credit file, including the sources of this information.

2. Section 611 ( a ) ( 1 ) - Procedure in Case of Disputed Accuracy : This section outlines the procedures for reinvestigating disputed information and mandates that credit reporting agencies provide verified and accurate information upon request.

3. Section 623 ( a ) ( 3 ) - Responsibilities of Furnishers of Information : This section requires that the entities reporting information to credit bureaus must ensure the accuracy and completeness of this information.

By not providing the requested proof of the debt with wet signatures, Experian is in violation of these provisions. This failure hinders my ability to validate and potentially dispute the debt, which is a fundamental right provided to consumers under the FCRA.

I demand that Experian : 1. Immediately provide the requested documentation, including original records with wet signatures, to substantiate the debt reported on my credit file.

2. Conduct a thorough investigation into the accuracy of the reported debt.

3. Update my credit file to reflect the results of this investigation and remove any unverified or inaccurate information.

If Experian fails to comply with these demands, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies for this violation of my consumer rights. 

I trust that Experian will address this matter with the urgency and seriousness it deserves. Please confirm receipt of this letter and provide a response within 30 days, as stipulated by the FCRA.