Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please be advised that there are three XXXX accounts currently reporting on XXXX XXXX 's credit report. It has come to our attention that your company has failed to properly investigate these accounts, which have been reporting fraudulently and in violation of the Fair Debt Reporting Practice Act. Additionally, you have not provided proper verification in accordance with the law. We urge you to take immediate action to remove these accounts from XXXX XXXX 's credit profile to avoid legal consequences. We expect them to be removed within the next thirty days. These accounts have been fraudulently charged and charged off, which amounts to two separate reporting violations. Your prompt attention to this matter is greatly appreciated. Thank you. 

I also want to remind you of the following laws : * - 15 U.S. Code 1692g : Validation of Debts * - 15 U.S. Code 1681n : Civil Liability for Willful Noncompliance * - LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies ( If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor ) ( e ) Advisory opinions of Bureau 813 . Civil liability No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.

Under these laws, I have the right to dispute the accuracy of any information reported to consumer reporting agencies. If I notify you in writing within 30 days of receiving this notice that the information is inaccurate, you must stop collection I would like to further inform you of the following law.

Any proceedings on the Above Case, including the re-sale of the alleged debt information for the purpose of collection by any other debt collector/company, taken without first responding timely to this letter by the party ( s ) will be deemed prima facie evidence of fraud by mail and racketeering against the party ( s ).

* 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

The ORIGINAL CREDITOR :, its agents, assigns, principals, and counsel. Silence is acquiescence ; acquiescence is estoppel.

This is an official notice debating your extortion and fraudulent claim of " debt ''.

the true party in interest.

* 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt.

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing activities until you have verified the information and provided me with a copy of the verification.

I also want to clarify that my request for validation of the debt does not imply any admission of liability. It is my right to do so under the FDCPA, and failure to comply with this law may result in civil liability.

Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( this is not my account ) belongs a family member

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