Consumer complaint received 2024-12-06 00:00:00
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.
State: CA

Complaint narrative:
Listed below are the Collections that are being challenged XXXX - XXXX This is XXXX of over XXXX outlines I have sent in, in regards to the validation of this letter along with requests for deletions. 
1. Violation of FCRA, Section 1681e ( b ) : Inaccurate and Conflicting Data The FCRA, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies must ensure maximum possible accuracy. However, this account contains discrepancies between XXXX and Experian : Different Dates of Last Activity : XXXX reports XX/XX/XXXX, while Experian reports XX/XX/XXXX. Conflicting Payment Status : XXXX reports XXXX Days Delinquent, while Experian lists this as a charge-off, which indicates a different stage of debt management. 

These discrepancies suggest unreliable and inaccurate reporting. If the credit bureaus can not provide accurate data across all platforms, this account must be immediately removed. 

2. Violation of FDCPA, Section 1692g : Lack of Validation of Debt Under FDCPA, Section 1692g, I am entitled to complete and timely validation of this debt. Despite my multiple requests, I have not received any supporting documentation verifying the validity of this account. Reporting this debt without proper validation constitutes a violation of federal law and must be remedied immediately. 

3. Violation of FCRA, Section 1681c ( a ) : Improper and Extended Reporting The FCRA, 15 U.S.C. 1681c ( a ) limits the reporting of delinquent accounts to XXXX years from the first delinquency date. The conflicting dates of last activity and reporting indicate an attempt to extend the reporting period, which is both misleading and unlawful. This debt, if valid, should have already begun aging out, and any attempt to re-age the debt is a direct violation of FCRA regulations. 

4. Non-Compliance with Metro 2 Data Standards According to Metro 2 reporting standards, collection accounts must be consistently classified to ensure accurate reporting. This account is incorrectly listed as an Open Account, when in fact, it is a Collection Account. This misclassification further violates industry standards and must be corrected by immediate removal of the entry. 

5. Violation of CFPB Guidelines : Unfair and Deceptive Reporting Practices The CFPB prohibits unfair or deceptive practices in credit reporting. Inaccurately reporting a debt across multiple platforms and failing to respond to consumer disputes harms my ability to access fair credit and causes unnecessary damage to my credit profile. This behavior directly violates CFPB regulations on consumer protection. 

Final Demand for Deletion Due to the inaccurate reporting, lack of validation, and violations of federal law, I am demanding the immediate deletion of the XXXX collection account from all credit reports. If the debt can not be properly validated and corrected, the FCRA, FDCPA, and CFPB guidelines require its removal. I expect a written confirmation of deletion within XXXX business days of receiving this letter. Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant authorities. I also reserve the right to pursue legal action if these inaccuracies are not resolved promptly.

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 non-monetary relief