Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I am writing to file a dispute regarding a debt collection communication violation, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), enforced by the Consumer Financial Protection Bureau ( CFPB ). 
According to the FDCPA, specifically 15 U.S. Code 1692c, debt collectors are required to adhere to certain guidelines regarding communication with consumers. If a consumer notifies a debt collector in writing or electronically that they refuse to pay a debt or request that the debt collector cease further communication, the debt collector must comply. This includes ceasing all further communication and attempts to communicate with the consumer regarding that debt, except for specific circumstances outlined in the statute.

As outlined in the FDCPA, these exceptions include : Advising the consumer that the debt collector 's further efforts are being terminated.

Notifying the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 
It is important to note that under the FDCPA, cease-communication requests sent by the consumer in writing or electronically are considered complete upon receipt by the debt collector. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FDCPA regulations regarding communication. I have included relevant documentation and details regarding this dispute for your review. 
This is the information that I am disputing regarding Experian. 
I am writing to file a complaint regarding inaccurate reporting by Experian, one of the major credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ). I have included documentation detailing the inaccuracies found on my XXXX credit report dated XX/XX/XXXX. 
As per my rights under the FCRA, specifically outlined in XXXX XXXX XXXX, I am entitled to a fair and reasonable investigation of disputed items on my credit report. The inaccuracies listed below are adversely affecting my creditworthiness and have significant consequences on my financial opportunities : XXXX XXXX XXXX Credit Card : Account # XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}. 
CXXXX XXXX XXXX XXXX Credit Card : Account # XXXX, opened on XX/XX/XXXX, with a balance of {$1100.00}. 
XXXX XXXX XXXX XXXX Credit Card : Account # XXXX, opened on XX/XX/XXXX, with a balance of {$1600.00}. 
XXXX XXXX Credit Card XXXX Account XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}. 
XXXX XXXX Credit Card : Account # XXXX, opened on XX/XX/XXXX, with a balance of {$740.00}. 
XXXX XXXX XXXX XXXXXXXX Credit Card XXXX Account # XXXX, opened on XX/XX/XXXX, with a balance of {$1600.00}. 
XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, opened on XX/XX/XXXX, with a balance of {$11000.00}. 
XXXX XXXX XXXX Secured Loan : Account # XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}. 
XXXX XXXX XXXX Secured Credit Card : Account # XXXX, opened on XX/XX/XXXX, with a balance of {$100.00}. 
XXXX XXXX Credit Card XXXX Account XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$580.00}. 
Collection account from XXXX XXXX XXXXXXXX : Account # XXXX, with a balance of {$260.00}. The original creditor is XXXX XXXX XXXX. 
Collection account from XXXX XXXX XXXX : Account # XXXX, with a balance of {$570.00}. The original creditor is XXXXXXXX XXXX XXXX XXXX XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
I urgently request that Experian conducts a thorough investigation into these matters and takes immediate action to remove the inaccuracies from my credit report. Failure to comply with the FCRA 's requirements may result in legal action. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.