Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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  Subject : Formal Request to Investigate and Remove Unverified Collection Accounts Dear [ Experian/XXXX ], I am writing to dispute the reporting of certain collection accounts on my credit report. Specifically, Experian, XXXX, XXXX has reported negative information on my credit report. This account is inaccurate, unverifiable, and not compliant with applicable laws.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies must ensure that all information reported is accurate, complete, and verifiable. Furthermore, as stipulated under 15 U.S.C. 1681i, when a consumer disputes the accuracy of information, you are required to investigate the matter within 30 days and delete or correct any information that can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1100.00} Closed XXXX XXXX - XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$280.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2000.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2700.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Needs Attention XXXX XXXX Potentially negative Date openedXXXX Balance {$250.00} StatusAccount charged off. {$250.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date XXXX Balance {$300.00} StatusAccount charged off. {$300.00} written off. {$300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$0.00} StatusAccount charged off. {$240.00} written off. 
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$12.00} StatusAccount charged off. {$12.00} written off. {$12.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$690.00} StatusAccount charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$520.00} StatusAccount charged off. {$520.00} written off. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date XXXX Balance- StatusPaid, Closed. 
XXXX Potentially negative Date XXXX Balance- StatusPaid, Closed. 
XXXX XXXX  Potentially negative Date XXXX Balance {$99.00} StatusAccount charged off/Never late. {$99.00} written off. {$99.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date XXXX Balance {$10000.00} StatusAccount charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$1600.00} StatusOpen. {$280.00} past due as of XX/XX/XXXX. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF ED/XXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
DEPT OF EDXXXX Potentially negative Date XXXX Balance- StatusOpen. 
XXXX  Potentially negative Date XXXX Balance- StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXX  Potentially negative Date XXXX Balance- StatusOpen. Deferred, payments begin XX/XX/XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date XXXX XXXX {$610.00} StatusAccount charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date XXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date XXXX Balance {$280.00} StatusCollection account. {$280.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$2000.00} StatusCollection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date XXXX Balance {$440.00} StatusCollection account. {$440.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date XXXX Balance {$2700.00} StatusCollection account. 
XXXX XXXX XXXX XXXX Potentially negative Date XXXX Balance {$1100.00} StatusAccount charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date XXXX Balance {$1400.00} StatusCollection account. {$1400.00} past due as of XX/XX/XXXX. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., protects consumers from unfair debt collection practices. As per 1692g, a debt collector must provide a validation notice to confirm the legitimacy of the debt. If the collection agency has not furnished such documentation, their report on my credit file is unlawful.

Per my understanding, I have never signed an agreement or contract with EXPERIAN XXXX XXXX granting them authority to collect on this alleged debt. Without proper documentation or validation of this claim : This account may violate state laws regarding debt collection and credit reporting, which often require proof of assignment or purchase of the debt.

Reporting this debt as valid without proper verification could constitute a violation of 15 U.S.C. 1681s-2 ( b ), which prohibits furnishers of credit information from reporting inaccurate or unverified information.

I am requesting the following : 1. Proof of the original agreement/contract that I signed, granting authority to collect this debt.

2. Evidence of compliance with state laws governing debt collection and credit reporting practices.

3. Verification of the original creditors authorization for the collection agency to report this debt on my credit file.

If the above can not be provided, I demand that this account be removed from my credit report immediately. Failure to do so could result in further action to protect my rights under both federal and state laws.

Please complete your investigation within the 30 days required by law and provide a written statement detailing your findings. Enclosed are copies of my identification and proof of address to assist in your investigation.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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