Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding the reporting of collection accounts on my credit report that do not belong to me and have not been properly validated as required under federal law. The failure to validate these debts and the continued reporting of unverifiable accounts violates provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These accounts, listed as XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have caused harm to my credit profile and reputation. Below, I outline the applicable legal obligations and my specific grievances : Validation of Debt Is Required Under the FCRA and FDCPA : Pursuant to 15 U.S.C. 1692g ( FDCPA ), a debt collector must, upon written request within 30 days of the initial communication, provide validation of the debt. Validation must include : 1.Proof that the debt exists.

2.Documentation that I am the rightful debtor, such as signed agreements or contracts.

3.An itemized breakdown of the debt amount.

Under 15 U.S.C. 1681s-2 ( FCRA ), entities furnishing information to credit reporting agencies must ensure that the data is accurate and verifiable. This includes confirming the legitimacy of debts reported. To date, these accounts have not been validated with proper documentation, yet they remain on my credit report, which is a clear violation of these legal obligations. 

Requirements for Credit Reporting Accuracy : Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) mandates that information furnished to credit reporting agencies must be accurate and verifiable. Further, under Section 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccuracies, and credit reporting agencies must investigate and resolve disputes within 30 days.

These disputed accounts remain on my credit report despite my requests for validation. The continued reporting of unverified debts constitutes willful noncompliance with federal law. Additionally : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of information reported.

If these debts can not be substantiated, they must be removed immediately, as mandated by Section 611 ( a ) ( 5 ) ( A ).

Lack of Appropriate Documentation : To date, the debt collectors and credit reporting agencies have failed to provide the following critical documentation to validate the debts : Proof of my liability, such as a signed contract or agreement with the original creditor. 
Chain of title documentation establishing that the debt was legally assigned to the debt collector. 
An itemized statement breaking down the total debt amount, including interest, fees, and charges. 

Without such documentation, these debts are unverifiable, and their continued reporting violates my rights under federal law.

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