Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These accounts have been charged off, but are not reporting that they continue to report late even though the status was changed years ago this is incorrect and possible fraud This letter is being sent to you in response to : 1. A Response to a listing on my Credit Report reported by XXXX XXXX and XXXX 2. Lack of previous Debt Validation requested. 
XXXX. Possible fraud due to reporting information that is not true to the credit bureaus. Please see attached information from XXXX XXXX. While this is in no way an admission that I owe this debt the dates indicated prove that XXXX XXXX has been reporting incorrect status dates by years to keep this debt new and hurting my credit score. 
XXXX. Improper response and delay tactics under the FCRA. 
XXXX. Response to CFPB request for information XXXX. Proof that you are the correct party to respond to the CFPB complaint as the reporting agency. 
XXXX. Proof that Experian, XXXX, XXXX are reporting false and/or incorrect and/or misleading information in violation of the FCRA. 
8. Verification that no validation has been received on multiple prior occasions via CFPB complaints that are on file with the agency. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that your offices have reported invalidated information the XXXX major credit bureaus ( XXXX, Experian or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, since negative marks are found on my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. The items you are reporting must be deleted immediately. 
Under 15 USC 1692g the following must be provided immediately : 1. A detailed list of the history of payments made by me on this account. 
XXXX. Chain of title of this debt stating that you have the ability to collect on this debt. 
XXXX. A signature that I put on a contract guaranteeing that I would pay this debt. 
XXXX. A signature on any modification of a contract guaranteeing that I would pay this debt. 
XXXX. A statement stating if an insurance claim has been filed on this debt. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation