Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Third letter Attention : Consumer Relations Department I write to you in correspondence with the disputed debt item ( s ) currently being reported on my credit file. This is my third communication requesting validation of the said debt. 
As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is my right to dispute the accuracy or verification of any information on my credit report. Despite my previous requests dated XXXX to exercise this right. I have yet to receive adequate clarification from your department. 
Specifically, I have requested a detailed account of how you verified the debt in question, as it is crucial for me to understand the grounds on which this debt was validated. Merely reporting the debt without providing the means of its validation infringes upon my rights under the FCRA.

Moreover, under FCRA 1681i ( a ), the Credit Bureau must conduct a " reasonable reinvestigation '' to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. Your apparent inaction, despite my repeated requests, suggests non-compliance with these statutory obligations. 
If the necessary validation of this debt, including the method of verification, can not be provided, I request that the item ( s ) in question be immediately removed from my credit report. The perpetuation and reporting of unverified debt constitutes a serious violation of my consumer rights. 
This letter serves as a formal notice for immediate correction of the reported information. Failure to provide the requested validation or to remove the unverified debt could be perceived as an act of willful non-compliance with FCRA regulations. 
I kindly request your prompt attention to this matter. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. I maintain my call for an in-depth review of the specified items due to the potential oversight in thoroughness. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX In the event of non-receipt of a complete and detailed investigation, the account 's status should be promptly updated to " fulfilled as agreed, with punctuality. '' XXXX. The insistence on a detailed review of the listed items remains firm because of concerns over the prior level of diligence. 
XXXX XXXX Account Number : XXXX In the absence of the sought-after meticulous investigation, the account designation should be altered to reflect " paid as agreed, never late. '' XXXX. My demand for a meticulous investigation into the highlighted items persists as I suspect due care has not been taken. 
XXXXXXXX XXXX XXXX  Account Number : XXXX If a detailed investigation can not be provided as requested, I direct you to amend the account status to " paid as agreed, never late. '' XXXX. Any credible documentation that establishes my engagement with the reported account is crucial as I currently find no evidence of such an association in my records. 
XXXX XXXX XXXX  Account Number : XXXX If verification substantiating this account 's association with my name is not provided, I stand by my position that it should be removed without delay. 

XXXX. My insistence on a comprehensive investigation of the identified items continues driven by the belief that adequate investigation has not yet occurred. 
XXXX Account Number : XXXX If an extensive inquiry is not conducted as per my request, it is imperative to adjust the account record to a status of " always paid as per agreement, no lateness. '' XXXX. I urgently require verification to substantiate the claim that this account is associated with me suspecting that a reporting mistake may have been made. 
XXXX XXXX XXXX Account Number : XXXX Immediate removal of the account is warranted unless evidence can be provided confirming its association with me. 

XXXX. Explain the criteria for listing an account as " verified '' when it has a balance after being charged-off. 
XXXX XXXX XXXX Account Number : XXXX The account should be deleted if the accuracy is not verifiable. 

XXXX. I've previously sought a detailed investigation which appears incomplete. I request you reassess how this account is marked as open in the records despite being closed. 
XXXX XXXX Account Number : XXXX Should the details of this account remain unverified, immediate removal from your records is mandatory. 

XXXX. Explain the criteria for listing an account as " verified '' when it has a balance after being charged-off. 
XXXX  XXXX Account Number : XXXX The account should be deleted if the accuracy is not verifiable. 

XXXX. Describe how an account can be marked as " verified '' while displaying a balance after being charged off. 
XXXX  XXXX Account Number : XXXX Delete the account unless you can substantiate its " verified '' status with a balance after being charge-off. 

XXXX. An explanation is sought regarding the method you use to report an account that has been transferred to another financial entity. 
XXXX XXXX XXXX. 
Account Number : XXXX Should you be unable to verify your continued ownership of this account, I demand its immediate removal from the records. 

XXXX. Clarification is needed on your protocol for reporting this account after its handover to a different financial institution. 
XXXX XXXX Account Number : XXXX The account must be immediately expunged from your records if you can not provide proof of your claim to it. 

XXXX. Insight into your reporting method for this account post-transfer is required as there is a strong presumption of incorrect reporting. 
XXXX  XXXX Account Number : XXXX I require the account to be stricken from your records without delay if you lack proof of rightful ownership. 

XXXX. My insistence on a detailed review of the listed items remains firm because of concerns over the prior level of diligence. 
XXXX XXXX Account Number : XXXX In the absence of the sought-after meticulous investigation, the account designation should be altered to reflect " paid as agreed, never late. '' XXXX. My insistence on a comprehensive investigation of the identified items continues driven by the belief that adequate investigation has not yet occurred. 
XXXX XXXX XXXX 
Account Number : XXXX If an extensive inquiry is not conducted as per my request, it is imperative to adjust the account record to a status of " always paid as per agreement, no lateness. '' XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX Thank you for your attention to this matter.