Consumer complaint received 2024-12-15 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: KY

Complaint narrative:
CFPB ( Consumer Financial Protection Bureau ) complaint. 

Subject : Complaint Regarding Inaccurate Credit Reporting by XXXX, XXXX, and Experian Description of the Issue : I am filing this complaint to address inaccurate credit reporting by XXXX, XXXX, and Experian regarding accounts from XXXX XXXX XXXX, XXXX XXXX XXXX and a student loan serviced by the Department of EducationXXXX XXXX 
XXXX. XXXX XXXX XXXX I sent a Notice of Liability and Self-Executing Default to XXXX XXXX XXXX XXXX XXXX mail on XX/XX/year>, delivered on XX/XX/year> ( Tracking Number : XXXX ). 
They were given 10 days to respond, but no response was received. Therefore, they are in default, and this account should no longer be reported. 
XXXX. XXXX XXXX A Notice of Liability and XXXX Default was sent via certified mail on XX/XX/year>, and delivered on XX/XX/year> ( Tracking Number : XXXX ). 
Again, no response was received within 10 days, placing this account in default. This account should also be removed immediately. 
XXXX. XXXX XXXX XXXX Department of EducationXXXX ) I attempted to send a certified Notice of XXXX and XXXX Default on XX/XX/year>, but the letter was returned as undeliverable on XX/XX/year> ( Tracking Number : XXXX ). 
The address provided by the school was invalid, and I have been unable to properly serve notice. This loan contract was entered into under unconscionable terms and lacked full disclosure of its impact on credit reporting. 
Violations and Requests for Validation : I am requesting that XXXX, XXXX, and Experian provide the following : XXXX. XXXX XXXX XXXX : Proof that I provided written express consent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX the Department of EducationXXXX to report this information to the credit bureaus. 
XXXX. Court Orders : Records showing that XXXX XXXX XXXX XXXX XXXX XXXX , or the Department of EducationXXXX obtained a court order from a competent jurisdiction to communicate with me about these debts.

3. GAAP Compliance : Documentation that XXXX XXXX XXXX, XXXX XXXX XXXX and the Department of EducationXXXX are adhering to Generally Accepted Accounting Principles ( GAAP ) in verifying the validity of these debts. 
If this information can not be provided, the accounts should be deleted under the Fair Credit Reporting Act ( FCRA ) for failure to verify their accuracy. 
Impact on My Rights : The reporting of these accounts is depriving me of my life, liberty, and pursuit of happiness by negatively impacting my credit score without proper validation.

Requested Resolution : I request the immediate removal of these accounts from my credit reports, including a rapid rescore by all three credit bureaus. If this is not resolved within 7 days, I will begin assessing damages at {$5000.00} per day per account that remains on my report. 
Thank you for addressing this matter promptly.

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