Consumer complaint received 2024-08-08 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: GA

Complaint narrative:
Experian is obligated by the FCRA to report accurate accounting. The consumer has advised Experian of several errors in her Experian Credit Report. A collection account with XXXX XXXX XXXX with an opening date of XX/XX/XXXX. An original amount owed of XXXX and account charged off amount of {$9400.00}. Experian is reporting this account as paid off but it shows this balance of this account was charged off. So, is it charged off or Paid off? Experian is misleading the consumer. Which has been adversely affecting my credit sore without cause. XXXX XXXX Co has not provided proof of a signed contract between me and them nor issued the requisite notice notifying me of my right to dispute this alleged debt. 15 USC 1681-5-3 ( a ) ( 1 ) ( a ) prohibits furnishing information to consumer reporting agencies if the furnisher knows or has reasonable cause to believe the information is inaccurate. In addition, this account is listed as a collection, which is considered a charged off, categorizing it as a certificate of indebtness per IRS regulations. This classification deems it as income, which is not permitted to be reported on credit reports and requires a form XXXX for tax purposes. Therefore, the presence of this collection/ charge off on my Experian, XXXX XXXX and XXXX XXXX consumer reports is unlawful and requires immediate removal. Per XXXX CFR XXXX ( d XXXX XXXX XXXX Co failed to provide Notice for validation of debts. I did not receive a letter notifying me of this debt and I did not have the opportunity to dispute this information. If in fact XXXX XXXX Co, believes that they gave me proper notification I am requesting that they send me the certified mail receipt with my signature on it. I am also requesting the method of validation that Experian, XXXX and XXXX used to validate this debt during my previous attempts to dispute. I hereby declare my revocation of all communication channels with XXXX XXXX Co, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. Based on 15 USC 1692e I believe Regional Finance, is using false and deceptive means to collect a debt that I NO LONGER OWE. In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) and Privacy Act of XXXX I am also formally requesting that XXXX XXXX Co provide proof of debt validation. I am particularly concerned about the accuracy of the account information, as the agreement XXXX contain clauses stating that the data being purchased might be in violation of my privacy. If XXXX XXXX Co is unable to produce these documentations, I demand the immediate deletion of the account from my current, past and future credit reports. I am requesting compensation for violating 15 USC 1681b. This misinformation tarnishes my credit history and infringes upon my consumer rights. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution from the CFPB. The actions of Regional Finance Co constitutes clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), 15 USC 1681 2 ( 7 ) ( A ), and 15 U.S. Code 1681 ( b ). I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions to prevent further damage to my creditworthiness. My complaints submitted to the CFPB specifically, covered complaints under FCRA section 611 ( e ) provide a channel for consumers like myself to have their problems addressed in a fair, timely and appropriate manner to avoid any additional financial hardship OR any future Federal legal action. EACH credit agency above ( XXXX, XXXX, Experian ) all violated my federally protected consumer rights and, I am entitled to statutory damages for each violation. Per XXXX XXXX XXXX, I demand compensation of { { {$1000.00} } } per violation for each month the above collection account was reported to XXXX, XXXX XXXX Experian XXXX XXXX for failing to ensure the accuracy and legality of the information reported on my credit reports for over 7 years. My statutory damages can be sent via registered mail only. Please keep me informed about the progress of this complaint, and I appreciate your immediate attention to this matter. Thank You

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