Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Subject : Dispute of Collection, Negative, and Late Accounts - Request for Removal ( 15 U.S.C. 1692, 1681, 611, 623 ) ** Dear Experian Dispute Resolution Team, I am writing to dispute the accuracy of certain negative items, including collection and late accounts, that appear on my Experian credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and related sections ( 15 U.S.C. 611 and 15 U.S.C. 623 ), I am formally requesting verification, a thorough investigation, and removal of any unverified accounts.

# # # Account Information Below are the disputed items on my credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. **15 U.S.C. 1692 ( FDCPA ) ** : Debt collectors are prohibited from reporting inaccurate or unverified information. I request documentation validating each accounts balance, date, and reporting accuracy.

2. **15 U.S.C. 1681 & 611 ( FCRA ) ** : The FCRA mandates that credit bureaus only report verified and accurate information. Under Section 611, I request a comprehensive investigation and documentation verifying each negative item.

3. **15 U.S.C. 623** : This section requires furnishers to report only accurate information. I request that Experian ensure each account complies with this regulation by confirming the data with the furnisher. 

# # # Requested Actions XXXX. **Verification and Investigation** : Please verify each account listed above and conduct a full investigation into their accuracy. If documentation proving their validity can not be provided, I request that these accounts be removed from my credit file permanently. 

2. **Cease Collection and Reporting of Disputed Items** : While investigating, I request that Experian cease collection and reporting activities for these items, as continued reporting of potentially inaccurate information harms my credit.

3. **Written Findings and Confirmation of Removal** : Please provide me with written confirmation of the results of your investigation. If verification can not be provided, I request immediate removal of these items. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution and removal of any inaccurate, negative, or late accounts from my credit report. 

Sincerely, XXXX 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 non-monetary relief