Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am escalating this dispute against XXXX XXXX XXXX concerning the dubious, and as of yet unverified, account currently listed on my credit report. Not only has this alleged account been marked 60 days late in recent days, but it was also previously flagged as a charge-off, demonstrating that XXXX is not just playing fast and loose with my financial reputation but outright double-dipping in violation of multiple federal laws. Lets not mince words : this is a blatant abuse of consumer protection statutes, and XXXX will be held fully accountable for these unlawful practices. 

Let me make it clear : I have the right to privacy under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), and XXXX has completely failed to properly verify this alleged account. I am now formally demanding the removal of this entry from my credit report due to illegitimacy and lack of verification. Furthermore, Upstarts failure to adhere to the statutory requirements entitles me to seek {$1000.00} per violation, and I expect nothing less for the infringements they have committed. 

Since XXXX has dragged its feet on verifying this debt, lets dissect every part of their process. I demand to know : Who is responsible for verifying this alleged debt? I want names, starting with the employee assigned to this case, their supervisors, the managers, and yes, the managers ' managers. I want to know who signed off on this. 

Provide the step-by-step procedure that was followed to allegedly verify this debt. From the moment this account was opened to this point of dispute, I want to see every detail, every transaction, every " verification '' processand I expect this to include the lunch breaks your employees took while they were allegedly " confirming '' this debt. Were they thinking clearly while handling this? 

Show me the complete e-signature trailI want confirmation of every keystroke that led to this alleged account being tied to my name. Where is the wet signature? Where is the evidence that I agreed to any terms? Upstart can not hide behind a veil of ambiguity. The Truth in Lending Act ( 15 U.S.C. 1601 ) mandates that these records be readily accessible and transparent.

What software was used to " verify '' my identity? I want the program version, the interface used, the names of the employees who conducted this verification, and all internal notes regarding this account. Who pressed submit, and what was their lunch preference that day? 

How did XXXX handle the charge-off while still reporting delinquencies? The debt was allegedly charged-off, yet here we are with a recent XXXX late marker. This isn't just sloppyit 's fraudulent. Have they perhaps claimed this on their taxes as a bad debt loss while continuing to report it? If so, I will gladly take this to the IRS for a full investigation into their tax practices. 

If Upstart can not immediately comply with this request in full transparency, they are failing not only under the Fair Credit Reporting Act, but they are also complicit in the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) violations, as well as potentially facing fraud charges. By attempting to collect on an account that they have already deemed a charge-off, they are effectively engaging in fraudulent reporting, which constitutes grounds for legal action. 

I expect to see a full breakdown of who is responsible, what procedures were followed, and every document used to verify this alleged account. I want timelines, dates, times, employee rosters, and complete records that show complianceor the lack thereof. Anything short of full transparency will be escalated with further legal actions.

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