Consumer complaint received 2024-11-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, GA XXXX Subject : Request for Immediate Removal of Erroneous Collection Account by ( XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate removal of a collection account listed by ( XXXX XXXX XXXX ) XXXX at XXXX XXXX, XXXX on my credit report, which I believe is inaccurate and unfairly damaging. This collection entry violates federal protections and reflects an outstanding balance that should not exist due to a pending lawsuit, in which I have received a Default Judgment in my favor from the court. 

Legal Background and Judgement Details The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) protects consumers from inaccuracies and unfairly damaging information on their credit reports. Under the FCRA, credit reporting agencies are legally required to maintain only complete and accurate information on consumers credit reports. In my case, the collection by XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX was improperly added despite an ongoing lawsuit where the court has granted a Default Judgment in my favor due to XXXX 's failure to respond. This ruling signifies their negligence and validates my claim, making this collection inaccurate and misleading. 

Additional Violations by XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX failed to address critical concerns, including health and safety issues within my apartment, which included a documented roach infestation. The courts Default Judgment against them underscores their negligence, which is the root cause of my dispute with the debt they claim I owe. 

Impact on My Financial Stability and Rights as a Consumer The presence of this collection on my credit report has caused me substantial hardship, affecting my ability to secure a mortgage and purchase a home for my family. Under the FCRA, it is imperative that only correct and verifiable information appears on my credit report, especially given the substantial consequences of inaccurate data on my financial standing and quality of life. 

Request for Immediate Action I respectfully request that the credit bureaus take immediate action to remove this erroneous and misleading collection entry from my credit report. Failure to do so not only violates FCRA requirements but also places unnecessary hardship on my family. By allowing this collection to remain on my report, I am being unjustly penalized based on inaccuracies that have been recognized in court. 

Please investigate this matter promptly. Attached is a copy of the Default Judgment order from the XXXX XXXX XXXX XXXX to facilitate your review. I request written confirmation from you that this inaccurate entry has been permanently removed from my credit file. 

Thank you for your prompt attention to this matter. I look forward to your immediate response to correct this injustice.

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