Consumer complaint received 2024-12-22 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: NV

Complaint narrative:
I am writing to request the deletion of inaccurate, re-inserted, and fraudulent accounts present on my consumer credit reports and to bring to your attention the failure of XXXX and XXXX XXXX XXXX to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent certified dispute letters to these companies to rectify my credit report 's inaccuracies and ensure compliance with the FCRA. Still, these companies have yet to respond to me with verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by. I received nothing from these companies and these accounts were reinserted with no permissible purpose and without my consent. 

As outlined in the FCRA, failure to provide documented and verifiable proof within the specified time frame obligates the removal of unverified, invalid, derogatory accounts and information from my consumer report. Despite the receipt of my dispute letter and the lapse of 30 days, XXXX and XXXX XXXX XXXX  have neither provided the requested proof nor rectified the inaccuracies in the reported information. They didnt respond to me at all and therefore by law, I'm demanding the deletion of these accounts on my credit report immediately. 

XXXX and XXXXXXXX XXXX XXXX claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. XXXX and XXXXXXXX XXXX XXXX did not remove the inaccurate accounts that has been furnished on my consumer file and I have never given my consent to re-insert or furnish this account. No consent is Identity Theft and I have attached evidence that XXXX and XXXX XXXX XXXX are in violation. 

I formally request EXPERIAN to remove the disputed accounts XXXX and XXXX XXXX XXXX from my credit report, as per the provisions of the FCRA. The failure of these companies to validate the debt within the statutory timeframe signifies their non-compliance with federal regulations and warrants the removal of the disputed accounts.

Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts listed IMMEDIATELY!

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other : By the written instructions of the consumer to whom it relates.

15 U.S.C 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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