Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of the XXXX XXXX closed account on my credit report as reported by XXXX XXXX to XXXX, Experian, and XXXX. The account contains multiple inaccuracies, inconsistencies, and unverifiable information that require immediate deletion from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. XXXX XXXX has failed to provide proper validation of this account, including a contractual agreement containing my authentic signature and Social Security number, which is essential for accurate validation and compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). The reported account includes an inaccurate balance of {$2100.00}, a past-due amount of {$290.00}, and a credit limit of {$2000.00}. These figures are inconsistent and unverifiable, violating FCRA, 15 U.S.C. 1681e ( b ), which mandates that information reported to credit bureaus be accurate and complete. Additionally, the reporting of this account in XX/XX/2024, with a stated closure date of XX/XX/2024, raises concerns about the validity of the reported dates. This inconsistency further undermines the reliability of the information being reported, and its presence on my credit report constitutes harm to my creditworthiness. Under FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request that full documentation be provided regarding how the disputed information has been verified. This includes all records and evidence reviewed by XXXX XXXX to confirm the accuracy of the balance, payment history, credit limit, past-due amount, and charge-off designation. Specifically, XXXX XXXX must provide a legally binding contractual agreement containing my full signature and Social Security number to validate this account. XXXX XXXX has failed to provide this level of transparency, further rendering the account unverifiable. Additionally, I invoke my rights under FCRA, 15 U.S.C. 1681i ( a ) ( 2 ), and demand all documentation provided to the credit reporting agencies by XXXX XXXX that was used to validate my dispute. Without access to this information, the validation process is incomplete and fails to meet the legal requirements for accuracy and verification. XXXX XXXX failure to provide sufficient documentation or allow access to evidence supporting the accuracy of their reporting constitutes a clear violation of this statute. XXXX XXXX failure to provide a legally binding agreement that includes my full signature and Social Security number constitutes a failure to validate the debt under FDCPA, 15 U.S.C. 1692g ( b ), and renders the reported account unverifiable. Without proper documentation, this account can not be legally reported and must be deleted immediately. The failure to validate this account also violates FCRA, 15 U.S.C. 1681i ( a ), which requires that credit reporting agencies investigate disputed accounts and remove or correct inaccurate or unverifiable information. XXXX XXXX inability to validate the dates, amounts, or terms of this account further supports the need for its immediate removal. I am disputing all aspects of this reported account, including the balance, past-due amount, payment history, credit limit, date closed, and remarks indicating " Account closed by credit grantor. '' The account is also inaccurately reported as 150 days past due, with inconsistent and unverifiable payment history data showing XXXX days late as the worst payment status. These inaccuracies and lack of validation demand that this account be deleted from my credit report in accordance with federal law. A fair resolution to this issue would require the immediate deletion of this account from my credit report due to the failure to validate the information and the presence of inaccurate, incomplete, and unverifiable data. If XXXX XXXX can not provide accurate validation, including a signed contractual agreement and all supporting documentation, the account must be permanently removed. Failure to resolve this matter will result in further escalation to ensure my rights under the FCRA and FDCPA are fully enforced. I trust that the CFPB will address these violations promptly and take the necessary steps to ensure compliance with federal law.

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