Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accuracy of the information listed on my credit report. I recently obtained a copy of my credit report and found that several accounts from XXXX  XXXX, XXXX and XXXX referenced above, has been reported as a charge-off. I believe this entry is incorrect and should be investigated under the Fair Credit Reporting Act ( FCRA ). 

According to FCRA Section 611, I have the right to dispute any information I believe to be inaccurate or incomplete. I am requesting that you investigate this matter and provide verification or delete this charge-off from my credit report. I have attached a copy of my credit report highlighting the charge-off, as well as [ any additional documents, such as payment history or correspondence with the creditor ], which support my claim.

Please notify me in writing of the results of your investigation at the address provided above within 30 days, as required by law. If this account is verified, I request that you provide me with the details of the verification process, including the name and contact information of the creditor who verified the accuracy of this charge-off.

Thank you for your prompt attention to this matter.

Sincerely, [ Your Name ] Make sure to include any relevant documentation to support your claim, such as payment records or a letter from the creditor.

pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Ttle and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : XXXX. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; XXXX. Proof that the Statute of Limitations has not expired ; XXXX. Complete payment history on this account along with an accounting of all additional charges being assessed ; XXXX. Proof that you are licensed to collect in my state ; and XXXX. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Experian, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Sincerely,

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