Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (OH)

Reporting on all charges and collections in this credit profile reveals several inaccuracies that need to be addressed. The first issue is that all charge-offs accounts are showing balances, which goes against the fair debt collection practice act that states reporting balances on charge off accounts is illegal. 

Additionally, the open dates and balances listed for these accounts are also incorrect. It is imperative that these discrepancies be disputed and removed from the credit profile. Furthermore, even though the accounts have been charged off, they are still showing past due payments, which is not accurate. It is important to dispute and delete this incorrect information. According to the fair debt collection practice act, charge off accounts should not be listed by the original creditor after they have been charged off. It is crucial to dispute and delete any re-aging of these accounts. 

All charge-offs and collections have been aged, which is also illegal. It is essential to dispute and delete these accounts as well. The inaccuracies in this credit profile need to be addressed for it to reflect a true and fair representation of my credit history. 




I also want to remind you of the following laws : *- 15 U.S. Code 1692g : Validation of Debts *- 15 U.S. Code 1681n : Civil Liability for Willful Noncompliance *- LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies ( If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor ) ( e ) Advisory opinions of Bureau 813 . Civil liability * 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX