Consumer complaint received 2024-08-03
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. (FL)

Subject : Request for Reinvestigation and Deletion of Collection Account Metro 2 Compliance Dear Experian, This letter serves as a follow-up to my previous correspondence dated XX/XX/XXXX, in which I invoked my rights under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ) for an investigation into specific entries in my credit report provided by Experian. The entries in question are as follows : Portfolio Recovery Associates ( Original Creditor : XXXX XXXX. ) Account Number : XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$1800.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$1800.00} Balance Updated : XX/XX/XXXX I received a response stating that these entries have been " VERIFIED. '' However, I insist upon receiving hard copy documentation as proof of this verification. It seems to me that Experian has been sharing unverifiable and inaccurate credit information, detrimentally impacting my credit score and limiting my financial capabilities.

I invoke my rights under the FCRA and Metro 2 compliance guidelines, which demand that credit reporting be 100 % accurate and 100 % verifiable. Hence, I formally request that Experian expunge these incorrect entries from my credit report. Furthermore, I implore you not to " update '' or " verify '' these entries again without conducting a thorough, due diligence investigation. 

I hereby request Experian to furnish me with a written contract and hard copy documentation that corroborates the information being reported on my credit profile, mailed to me via USPS. Please note that screenshots and medical bills are insufficient forms of proof. I maintain that THIS DEBT IS NOT MINE, and I require verification featuring my signature on an actual contract. 

The current state of my credit score, which I value greatly, is being unfairly tarnished due to this misinformation. I expect specific responses to the queries raised in this letter, as opposed to a templated reply. Please be informed that I am prepared to initiate legal action if my concerns are not satisfactorily addressed. 

Allow me to draw your attention to the court cases XXXX XXXX Experian Information Solutions , Inc. ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), where consumers triumphed against credit bureaus on account of their failure to execute a reasonable investigation into disputes. I trust Experian will uphold consumer rights and conduct an exhaustive investigation into this matter. Should you fail to produce tangible proof of this alleged debt, I ask that you immediately delete this data from my credit report. 

Discrepancies Noted : Status Updated : The status is reported as updated in XX/XX/XXXX, which conflicts with the balance update on XX/XX/XXXX, indicating inconsistent reporting of account activity. 

Payment History : The account shows continuous collections from XX/XX/XXXX to XX/XX/XXXX, without any updated status in the interim, which suggests inaccurate reporting of payment history and account status. 

Date of Last Activity : The account status indicates it was last updated in XX/XX/XXXX, but the collection activity is reported continuously through XX/XX/XXXX. This inconsistency reflects a failure to accurately report the timeline of account activities. This inaccurate info falsely manipulates the statute of limitations. You have failed to investigate this account properly, and your willful non-compliance and negligence have violated my rights. 

Legal Basis for Reinvestigation : Under the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Given the inconsistencies and inaccuracies noted, I request that you : Reinvestigate this account with a focus on compliance with Metro 2 standards and using the e-OSCAR system.

Correct any inaccuracies or delete the account from my credit report if it can not be verified accurately.

Failure to address these discrepancies will result in further action, including considering legal action for continued violations of the FCRA.

I anticipate your response within 15 days upon receiving this letter. Non-compliance within this period will be taken as an agreement to permanently eliminate the disputed item from my credit report.