Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern, Subject : Complaint Regarding Inaccurate Debt Reporting by XXXX, XXXX, and Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally file a complaint against XXXX, XXXX, and Experian for inaccurately reporting multiple debts on my credit report. These debts pertain to XXXX XXXX XXXX, which I never attended. The collection agency, XXXX XXXXXXXX XXXX XXXX, has reported six doubled accounts, erroneously suggesting that I owe amounts far greater than any original purported debt. This inaccurate reporting is drastically harming my creditworthiness. 

Background : Nature of Disputed Debt : I have never attended any XXXX at XXXX XXXX XXXX. Despite this, XXXXXXXX XXXX XXXX XXXX is collecting debts on behalf of the college and has reported six separate accounts on my credit report. 

Inaccurate Reporting : Each of these six accounts has been reported as owing double the original amount purportedly owed. This misrepresentation is both erroneous and misleading, causing significant damage to my credit score. 

Impact on Livelihood : The incorrect reporting of these inflated debt amounts has resulted in a substantial decrease in my credit score, affecting my ability to obtain credit, secure housing, and maintain financial stability. 

Violation of Consumer Protection Laws : The actions of XXXX, XXXX, and Experian in reporting these inaccurate debts appear to be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : FDCPA Violations : Section 807 : Prohibition against false or misleading representations. The reporting of six debt accounts, each with an amount double the original purported debt, is a false representation of the amount owed. 
Section 809 : Validation of debts. I have not received proper validation of these debts, which is my right under the FDCPA. 
FCRA Violations : Section 1681e ( b ) : Obligation of credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Requested Action : Immediate Correction : I request an immediate deletion of the reported debt amounts that do not accurately reflect the true amount owed, if any, and ensure they are removed and blocked entirely if they are not valid. 

Validation of Debt : I request XXXX XXXXXXXX XXXX XXXX to provide validation of each of the six reported debts, including a detailed breakdown of the original amounts owed, any interest or fees applied, and evidence that I owe these debts. 

Notification to Third Parties : I request that all third parties who have accessed my incorrect credit report within the last six months be notified of these corrections. 

Preventative Measures : I urge the CFPB to investigate the practices of XXXX, XXXX, and Experian to prevent such occurrences in the future, ensuring that debts are accurately reported and validated. 

Compensation for Damages : In light of the significant financial and emotional distress caused by the inaccurate reporting, I seek compensation in the amount of {$2000.00} to cover the following : Increased interest rates on loans and credit cards. 
Fees or penalties incurred due to the lower credit score. 
Lost opportunities, such as being denied credit and housing. 
Emotional distress and time spent disputing the inaccuracies. 
Legal and professional fees incurred in rectifying the inaccuracies. 
Conclusion : The erroneous reporting of six inflated debt accounts by XXXX XXXXXXXX XXXX XXXX, as reported by XXXX, XXXX, and Experian, is causing substantial harm to my financial well-being and creditworthiness. I trust that the CFPB will take prompt and effective action to rectify these issues. I am available for any further information or clarification that may be required. 

Thank you for your attention to this critical matter.