Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Pursuant to 15 U.S.C. 1692c ( c ) and other provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am writing to formally demand that all communication from your company cease immediately. This includes communication through phone calls, emails, letters, and any other mediums. Any further contact must only occur in writing and in strict compliance with federal law.

Violations of Communication Laws Your continued communication, particularly at inconvenient times and without prior authorization, is in direct violation of 15 U.S.C. 1692c ( a ) ( 1 ). I remind you that this section prohibits communication at times known to be inconvenient to the consumer. Such behavior constitutes harassment and must cease immediately.

Moreover, as per 15 U.S.C. 1692c ( c ), this letter serves as my written notice to cease further communication. Failure to comply will result in immediate escalation, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Inaccuracies and Discrepancies in Reporting I have identified numerous inaccuracies in the reporting of accounts on my credit report, which constitute violations of the FCRA, including but not limited to : Accounts with Inaccuracies XXXX XXXX Reported as derogatory, yet payment history consistently shows as " Current '' with no delinquencies or missed payments.

Classification as derogatory without supporting evidence violates 15 U.S.C. 1681s-2 ( a ) ( 1 ), requiring furnishers to ensure accuracy before reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  accounts reported under different identifiers, duplicating the same debt and inflating total reported debt. 
Some accounts show credit limits that do not align with typical education loan standards. 
Reporting discrepancies across bureaus on balances, payment histories, and account statuses violate 15 U.S.C. 1681s-2 ( b ). 
XXXX Marked as derogatory due to account closure, but closure was voluntary and due to inactivity. 
No past due amounts or delinquencies are reflected, making the derogatory classification inaccurate. 
XXXX Similar to XXXX, marked derogatory for inactivity despite no evidence of missed payments or past due balances. 
This constitutes a misrepresentation of the account status and a violation of the FCRA. 
XXXX Reported as derogatory despite being closed for inactivity with no adverse payment history. 
Credit limits and balances are inconsistently reported across the bureaus, causing confusion and inaccuracies. 
XXXX XXXX Reported as derogatory despite no evidence of late payments or delinquencies. 
Payment history shows as " XXXX, '' contradicting the derogatory classification. 
XXXX Accounts XXXX XXXX ( XXXX & Experian ) : Missing original creditor information or validation documentation, violating 15 U.S.C. 1681g.

Reporting unverified debt violates my rights under 15 U.S.C. 1681i. 
XXXX XXXX ( XXXX ) : Lacks proper validation and documentation of the debt. 
The absence of the original creditor 's information further violates 15 U.S.C. 1681s-2 ( a ). 
Relevant Case Law In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX  ), the court ruled in favor of a consumer when the debt collector failed to ensure accuracy in reporting and engaged in deceptive practices. This precedent supports my position and underscores the legal obligations of furnishers and credit reporting agencies to maintain accurate and verifiable records. 

Demands Cease All Communication : Under 15 U.S.C. 1692c ( c ), you are prohibited from contacting me further by phone, email, or other mediums. All correspondence must occur through written communication or the CFPB portal.

Immediate Correction of Inaccuracies : Remove all inaccurate and derogatory information from my credit reports, including duplicative accounts, inconsistent data, and false derogatory classifications. 
Provide Validation of Debt for Collection Accounts : I demand a full validation of the debts reported under your system, including original creditor documentation and verification of account accuracy. 
Acknowledge Compliance Within 30 Days : Provide written acknowledgment of this dispute and your corrective actions within 30 days of receipt of this letter. 
Conclusion Your continued violations of 15 U.S.C. 1692c, 15 U.S.C. 1681s-2, and 15 U.S.C. 1681i are unacceptable. I expect immediate compliance with federal law to correct these inaccuracies and cease further communication. Failure to adhere will result in formal complaints and legal action.

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