Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To Whom it concerns, Im writing with following disclosures to exercise my full rights under in accordance with U.S.CODE, CFR, TILA, XXXX, and CFPB to have a fair, accurate, current and verified information that is in full compliance with all State Laws or Federal set forth by Congress. To ensure the integrity of information not outdated or misleading in my consumer reports to provide me with the best possible outcome, That encourage equal credit opportunities for myself as a customer.

I am declaring to this particular Customer Reporting Agency to have these collections accounts deleted off my consumer reports ASAP do the SOUTH CAROLINA State LAW, The statute of limitations, Which is 3 years for most Credit transactions. 
15 U.S. Code 1679j - Relation to State law Secondly Federal Laws prohibits the use of transactions or experiences between a customer and the persons making the report to be in my credit report file.

15 U.S. Code 1681a ( d ) ( 2 ) ( i ) Including The Following Provisions Below : 1. ] The South Carolina law ( S.C. Code 15-3-530 ), the statute of limitations for most types of consumer and business debt is three ( 3 ) years.

15 U.S. Code 1679j - Relation to State law 2 ] 12 CFR 1006.26 - Collection of time-barred debts.

( a ) Definitions. For purposes of this section : ( 1 ) Statute of limitations means the period prescribed by applicable law for bringing a legal action against the consumer to collect a debt.

( 2 ) Time-barred debt means a debt for which the applicable statute of limitations has expired 3. ] 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting 4. ] 15 U.S. Code 1681a ( d ) Consumer Report.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

5. ] 15 U.S. Code 1679b - Prohibited practices ( A ) any consumer reporting agency ( as defined in section 15 U.S. Code 1681a ( f ) of this title ) ; or ( 2 ) make any statement, or counsel or the intended effect of which is to alter the consumers identification to prevent the display of the consumers credit record, history, or rating for the purpose of concealing adverse information that is accurate and not obsolete to ( A ) any consumer reporting agency ; ( B ) any person ( i ) who has extended credit to the consumer ; or ( ii ) to whom the consumer has applied or is applying for an extension of credit ; 6. ] 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 ) In accordance with the written instructions of the consumer to whom it relates.

7. ] 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection, ( 5 ) Any other adverse item of information, 8. ] 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer.

Note : This is not a validation of Debt letter. Delete these accounts below, failure to comply with regulations and my rights I will seek farther remedies with Federal bureau regulations and my XXXX XXXX XXXX 

ACCOUNTS : XXXX. ) XXXX XXXX XXXX XXXX  amount {$4400.00} XXXX open date XXXX XXXX. ) XXXX XXXX XXXX XXXX # XXXX Amount {$5700.00} XXXX open date 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