Consumer complaint received 2024-06-19 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXX/XX/2024 EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Supervisor Of Legal : After reviewing my Credit Report It has come to my attention that I have Inaccurate Information on my Credit Report So Im challenging the Validity and Legality. Reporting DOES NOT COMPLY WITH ( GAAP ) 15 U.S.C. 1681.

1 ) According to the FCRA I Have The Right To Privacy in accordance with 15 U.S.C. 1681 Sec. 604A., 602A. A Furnisher can not Furnish Information To a Consumer Reporting Agency Without My Written Instructions. I never gave Consent to nor signed Anything.

2 ) Compliance with FDCPA 15 U.S.C. 1681e, 1681e ( b ). 15 U.S.C. 1681s ( 2 ) which Requires The Furnisher To Provide MAXIMUM POSSIBLE ACCURACY when Reporting Consumer Credit Information I requested the Original Purchase Agreement to no avail. I have Documentation showing the many INACCURACIES associated with ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This is BLATANT NEGLIGENCE, And In Clear Violation of FCRA 15 U.S.C. 1681 e ( b ). These Reports are Hurting My CREDIT WORTHINESS. while it shows two different Accounts of the SAME DEBT on my credit report? Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., ( FDCPA ), 15 U.S.C. 809 ( b ). Clear Violations.

1. Validation of debt : FCRA I have identified several violations of Federal Statutes, including but not limited to : Violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681, 602A. I have the right to Privacy, 604A. and 15 U.S.C. 1681s : The information furnished by EXPERIAN does not comply with 15 U.S.C. 1681 ( GAAP ). As mandated by 15 U.S.C. 602A., 604A. The debt wasnt signed nor certified by me, XXXX XXXX XXXX, Im asking for the Original Purchase Agreement to Show Ownership.

2. Compliance with FDCPA, FCRA 15 U.S.C. 602A.,604A. A person cant Furnish information without my written instructions. Nor ANY Information relating to my credit report to a Consumer Reporting Agency, IF the Person KNOWS or has Reasonable Cause to Believe that the information is Incorrect. 15 U.S.C. 1681s ( 2 ), sec.604A. Please provide evidence demonstrating compliance regarding the reporting of information to my credit report. The reporting of these Inaccuracies are Evident and Plain Violations of 15 U.S.C. 1681e, 1681e ( b ), 1681s ( 2 ) ,1681, and U.S.C. 18 894, 15 U.S.C. 809 ( b ), Which requires the FURNISHERS TO PROVIDE MAXIMUM POSSIBLE ACCURACY ( GAAP ) WHEN REPORTING CONSUMER CREDIT INFORMATION 1681e ( b ). ACCOUNTS SHOWS MANY INACCURACIES 3. Cease and Desist : In light of the above discrepancies I am requesting that all collection activities regarding these accounts cease immediately, and remove any negative reporting from my accounts. Conduct a thorough investigation into these matters and remove from my credit report immediately, until investigation is complete. 15 U.S.C. 1681e ( b ) 4. Additionally, This debt is TIME BARRED. I request that EXPERIAN be notified of their violations and be required to correct their reporting practices accordingly. Enclosed are copies of relevant documentation supporting my claims. Please provide me with a written confirmation of the actions taken. Including ALL Financial Records including emails, phone numbers, addresses etc. 

FURTHERMORE Any Medical Bill Under XXXX XXXX  CAN NOT and SHOULD NOT Be Reported on my Credit Report for a 365-day waiting period? I have a Medical Condition that Requires Me to use My CREDIT WORTHINESS to ACCESS TREATMENT. Please assist ASAP. Failure to comply with these requests within 30 days will result in further actions, including, but not limited to legal action. 

Sincerely, XXXX 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