Consumer complaint received 2024-04-07
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. (GA)

Attn : Experian Consumer Relations Subject : Dispute of Inaccurate & outdated account ( XXXX XXXX XXXX XXXX ) pursuant to 15 USC 1681s-2 and 15 USC 1681c ( a ) ( 5 ) I, XXXX XXXX XXXX am writing these complaint in regards of a dispute on an ongoing matter that consist of the accuracy of information contained in my consumer report, specifically pertaining to the account with XXXX XXXX XXXX XXXX with the account number XXXX. Upon reviewing my consumer report, I discovered discrepancies that require immediate attention and resolution. According to the FCRA and the FDCPA. Consumers have the right to accurate and verifiable information on their credit reports. Unfortunately. The information provided by Experian regarding the aforementioned account lacks sufficient evidence of verification and accuracy, thereby violating these rules and regulations. I would like to bring to your attention the following concerns : XXXX ) Lack of Comprehensive Verification Method : Experian failed to provide ALL relevant information regarding the method of verification used for the XXXX XXXX XXXX account. There was NO clear demonstration of how the accuracy of this account was verified, leaving me without proper justification for its inclusion on my consumer report. 
XXXX ) Absence of proof of claim : Despite repeated inquiries, Experian has not provided any evidence or proof of claim regarding the validity of the regional finance corporation account. As a consumer, I have the right to request and receive documentation supporting the accuracy of any reported account, yet No such documentation has been provided. 
XXXX ) Non-responsive from XXXX XXXX XXXX : In a effort to resolve this matter, I took the initiative to contact XXXX XXXX XXXX directly via certified mail receipt number : XXXX XXXX XXXX XXXX XXXX XXXX. However, despite allowing ample time for response, over XXXX days have passed without any acknowledgment or validation of the account in question. 
It is evident that Experian has failed to uphold its responsibility in ensuring the accuracy and verification of information reported on my credit file. As a result, I urge you to take immediate action to rectify this situation by : XXXX ) Conducting a thorough investigation into the accuracy and verification of the XXXX XXXX account. XXXX ) Providing me with all relevant documentation and evidence supporting the validity of the account. 
XXXX ) Deleting the disputed account from consumer report until all sufficient proof of its accuracy is provided. 
XXXX ) Taking measures to prevent similar inaccuracies from occurring in the future. 

Also, Experian has violated the Fair Credit Reporting Act by continuing to update XXXX XXXX XXXX last date of delinquency and/or activity as to extend the required reporting period of XXXX years. XXXX, this account is associated with an address that the consumer has never resided at : XXXX XXXX XXXX XXXX MI XXXX. 
I have provided all proof of my dispute with this statement. I trust that Experian will address this matter promptly and in accordance with federal regulations. Failure to do so may result in further action to protect my rights as a consumer. I appreciate your attention to this matter and look forward to a timely resolution.