Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
since XX/XX/XXXX, and every month their after I have sent dispute letters to the credit bureaus attaching personal identification to those letters which included an id, social and a utility bill. Asking them to validate and verify the accounts they have inaccuracies of. Which was not done on any occasion. I was never given a letter or response to the matters at hand. 


XXXX XXXX - XXXX I have no knowledge of this account, and the creditor has failed to respond to my requests for verification. This lack of response and the presence of unverifiable information on my credit file is a clear violation of federal laws governing credit reporting. 

Account Details : Account Number : XXXX Account Type : Collection Balance : {$4200.00} Date Opened : XX/XX/XXXX Payment Status : Coll/Chargeoff Violations : Failure to Verify the Account : The creditor has not responded to my requests for verification of this account. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) [ 15 U.S.C. 1692g ( b ) ], debt collectors must provide validation upon request before continuing to report or collect on an alleged debt. 

XXXX. Inaccurate and Unverifiable Reporting : By reporting an account without providing sufficient documentation to verify its accuracy, the credit reporting agency is in violation of Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ], which requires that consumer reports contain accurate and verifiable information.

2. Failure to Investigate Disputes : If the credit reporting agency has failed to investigate my prior disputes or continues to report the account without proper validation, this constitutes a breach of FCRA, Section 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ], which mandates a reinvestigation of disputed items within 30 days. 

3. Reckless Reporting by the Creditor : The creditors failure to provide any evidence of the accounts legitimacy while furnishing this data violates FCRA, Section 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], which prohibits reporting inaccurate or unverifiable information.

4. Lack of Transparency in Reporting : The account lacks critical details, including the creditor 's name and contact information, making it impossible for me to validate or resolve the matter. This is a violation of FCRA, Section 609 ( a ) ( 2 ) [ 15 U.S.C. 1681g ], which requires that the source of disputed information be disclosed upon request.

5. Demand for Action : I am formally disputing this account and demanding its immediate removal from my credit report. Failure to delete this account and provide written confirmation within 10 business days will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and other appropriate regulatory bodies. I will also seek legal remedies under the FCRA and FDCPA to protect my rights. This is your final opportunity to comply with federal law and resolve this matter.

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