Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I This Dispute is to remove all Inaccurate Credit Information.

To whom it may concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As honest and true XXXX XXXX XXXX is in violation. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to said XXXX XXXX XXXX XXXX XXXX XXXX ) called back to back & was & is XXXX, & misleading, plainly put simply too aggressive and I absolutely refuse to communicate with them any longer. As of recently there were back to back calls & calls blocked meant to harass or intimidate me, with someone trying to elicit some acknowledgment of sorts. All of which The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using XXXX, unfair, or deceptive practices, & manipulation of this sort. I must insist XXXX XXXX XXXX please cease and desist all calls and contact with me immediately. As it is now that they have violated the FDCPA. 

Different dates will show XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX closed/ open/ closed And ( CRA ) are to be true and accurate. Please delete as this has caused much anguish and distress, and constant anxiety daily to me and my family. 

Regarding incorrect & inaccuracy in my the ( CONSUMER ) ( XXXX XXXX XXXX ) report and it has been highly injurious and egregious to my credit rating. I am distressed that you have included the information above in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

In accordance with the ( Fair Credit Reporting Act ), I request you immediately initiate the process of eliminating and deleting of account on ( XXXX ) for ( XXXX XXXX XXXX ) on my ( Consumer report ) it has been reported currently last updated as of XX/XX/XXXX ( XXXX XXXX XXXX ) reporting it to ( XXXX ) as Closed. This is via ( XXXX ) accounts which pictures will show and furnished as evidence. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt & while efforts are made to work towards this and until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains true & accurate. I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove these entries. 

As afforded to me UNDER Both the FCCPA and the FDCPA & as Pursuant To XXXX USC XXXX provide for elements of damages for a violation of the statute. Specifically, a successful plaintiff as I the ( Consumer XXXX XXXX XXXX ) can and will furnish all said evidence here entitled to recover : XXXX ) actual damages ; XXXX ) statutory damages up to {$1000.00} ; and XXXX ) attorneys ' fees and costs. These FDCPA violations involved incessant phone calls in an attempt to harass the debtor, ( Consumer ) XXXX XXXX XXXX. 
FURTHERMORE EVIDENCE WILL SHOW ACCOUNT DATES NOT THAT OF SAID CLAIM AND REPORTING DATES CURRENTLY ASWELL AS LISTED AS CLOSED AND LASTLY A CREDIT REPORT FURNISHED BY XXXX And in pursuant to [ XXXX. XXXX U.S.C XXXX ] ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( A ) ( B ) Please Delete and Report Blocked for Promotional Purposes to my file Lastly If said obligation was had with XXXX XXXX XXXX XXXX acct # XXXX for said amount {$550.00} UCC XXXX XXXX lll ) XXXX. ( a ) ( XXXX ) ( b ) XXXX. 
XXXX has sold this debt & they can no longer can collect on this and I don't have a signed contract with XXXX XXXX XXXX XXXX XXXX. 
Furthermore this Continued Harassment on and XXXX on this debt pursuant to ( XXXX U.S.C. XXXX ) I will pursue all legal proceedings afforded to me in court {$1000.00}