Consumer complaint received 2025-01-04 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: RI

Complaint narrative:
I am not and can not be held liable for this debt ( s ) with XXXX XXXX XXXX as the original creditor, corporate offices located at XXXX XXXX XXXX, XXXX, MA XXXX. I do not have a contract, nor was I ever made signatory with XXXX XXXX XXXX XXXX XXXX ) located at XXXX XXXX XXXX, XXXX, MA XXXX. I was never provided with a copy of the original contract as I requested multiple times. I have never settled with XXXX in any monetary amount, thereby having no official dealing with this company. The Items are listed as two separate accounts and amounts owed ( {$640.00} and {$160.00} with a partial acct # XXXX listed on one ) .These items were purchased by a third party debt collector. This account ( s ) must be deleted as the status is not justified in any way, appropriated for less than the amount alleged to be owed. How much did the collection company pay for this item ( s )? I don't know and neither does my credit report ( s ) reflect such amount. This is a clear violation of FCRA as this activity is not accurate, or complete, but frivolously reported and furnished with no definitive proof of its accuracy, which is less than adequate and immediately detrimental to the individual consumer. I have attempted to give the furnisher of this inaccurate information the benefit of due diligence expecting nothing less than immediate deletion as a professional standard, but this CRA stands nothing to gain by deletion, even if the information in question is, in fact, inaccurate/incomplete. I am demanding a proper investigation, not a reinvestigation, because I believe the disputed information was never adequately investigated in the first place, but rather verified as accurate and updated through an E-Oscar system, prematurely sold to the consumer as credible determinations. That is a clear violation of the FCRA and the law. 15 U.S. code 1681i. ( a ) ( 6 ) ( B ) ( iii ) would require by law the means to investigate/reinvestigation methods to be made available to the consumer in a timely fashion. Subsequent response without any real evidence showing how the CRA conducted their investigation other than trivial correspondence stating disputed information has been verified as accurate should not suffice and violates the law. To stall and ask for other identifying information when such information is already on file should not be tolerated internally through the CRA 's office of professional standards if you are a professional credit reporting agency. I have full faith in confidence that the CFPB will investigate you by my determination to get this inaccurate information removed from my good name. My family and I have suffered enough. 15 U.S.C 1681 section 602 A. would indicate my inherent right to privacy and especially if the information is inaccurate 15 U.S.C. 1681s-2 ( A ) ( 1 ). Again, I would ask for a copy of the original contract of, which I have requested on several occasions but was never provided. If the furnisher of the aforementioned accounts if unable to do so, I would ask the CFPB to intervene within their official capacity.

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