Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Negative Information on Credit Report Dear Experian Dispute Department, I am writing to formally dispute several negative items reported on my credit report, generated on XX/XX/year>. Despite initiating disputes over 30 days ago, Experian has failed to provide documentation verifying these accounts ' validity in accordance with the Fair Credit Reporting Act ( FCRA ). 
Per the FCRA, particularly 611 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 1 ) ( A ), consumers have the right to request original documentation validating disputed information. I have not received any such documentation, including signed contracts or other records bearing my wet-ink signature, demonstrating my obligation to these debts. Instead, it appears Experian has relied solely on automated e-Oscar verification, which does not satisfy the burden of proof required by law. 
Accounts in Dispute : 1. XXXX XXXX Status : Charged off XXXX  Balance : {$1800.00} XXXX  Account number : [ First four digits : XXXX ] 2. XXXX XXXX XXXX XXXX XXXX  Status : Collection account XXXX  Balance : {$300.00} XXXX  Account number : [ last four digits : XXXX ] 3. XXXX XXXX XXXX  Status : Collection account XXXX  Balance : {$1800.00} XXXX  Account number : [ First four digits : XXXX ] 4. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Status : Collection account XXXX  Balance : {$2300.00} XXXX  Account number : [ First four digits : XXXX ] 5. XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXX. 
XXXX  Status : Collection account XXXX  Balance : {$710.00} XXXX  Account number : [ First four digits : XXXX ] 6. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Status : Collection account XXXX  Balance : {$980.00} XXXX  Account number : [ First four digits : XXXX ] Under the FCRA : 1. Section 611 ( a ) ( 5 ) ( A ) : If the disputed information can not be verified within 30 days, it must be deleted from the credit report.

2. Section 623 ( b ) : Data furnishers must conduct a reasonable investigation, which includes producing original documentation upon request. 
Additionally, under the Uniform Commercial Code ( UCC ) 3-501 ( b ) ( 2 ), any debt collection or claim of financial obligation must be accompanied by verifiable proof of the debt 's legitimacy, which has not been provided. 
Given these violations, Experian is liable for damages of {$1000.00} per infraction per 15 U.S.C. 1681n. I am prepared to pursue legal action if these items are not immediately removed from my credit file.

Resolution Requested : I demand the removal of all unverified negative items listed above within 24 hours of receipt of this letter. I also request written confirmation of the deletions. Failure to comply will result in escalation through formal legal proceedings and complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your prompt attention to this matter. I expect Experian to adhere to its legal obligations under the FCRA and UCC to resolve this issue immediately. 
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 explanation