Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
ACCOUNT NAME AND NUMBER XXXX  : # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I am writing to lodge a formal complaint regarding the handling of an account that has been reported to XXXX, XXXX and experian. The account in question is XXXX : # XXXX, which has been on my credit report for over seven years. I am deeply concerned that the mentioned reporting agencys handling of this account has violated several provisions of consumer credit reporting laws, including the Fair Credit Reporting Act ( FCRA ).

First and foremost, I have previously requested validation of the debt associated with this account multiple times with no avail, as is my right under the FCRA. However, they failed to provide any validation despite my repeated requests. This lack of response is a clear violation of Section 809 of the FCRA, which requires debt collectors to provide verification of a debt upon the consumer 's request.

Furthermore, upon reviewing the information associated with this account, I have discovered several inaccuracies. Most notably, my legal name is incorrectly listed on the account. To rectify this, I am prepared to provide a copy of my government-issued identification as proof of my correct legal name. The inclusion of incorrect personal information on this account constitutes a violation of Section 611 of the FCRA, which mandates that credit reporting agencies maintain accurate consumer information.

Additionally, the continued reporting of this account on my credit report, despite it being over seven years old, is also a violation of the FCRA. According to Section 605 ( a ) ( 4 ) of the FCRA, negative information such as collections accounts must be removed from a consumer 's credit report after seven years from the date of first delinquency. As such, I request the immediate removal of the [ Account Number ] account from my credit report to comply with federal law.

In light of the aforementioned violations of the FCRA, I urge your agency to take prompt action to rectify this matter. Specifically, I request the following : Immediate removal of the [ XXXX  : # XXXX account from my credit report. 
I trust that your agency will take this matter seriously and act swiftly to address these violations. I look forward to your prompt response and resolution of this issue. 
The following Laws have been violated multiple times by this company and i am going to take legal action if it does not get resolved right now. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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