Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute certain inaccuracies and incorrect information on my credit report. Below is a breakdown of the issues I have identified and the corresponding actions I am requesting under U.S. Code laws : 1. **Incorrect Address Information** : The addresses listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not accurate and need to be deleted from my credit report. Under **15 U.S. Code 1681i**, the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain accurate information. Since these addresses are incorrect, they must be removed immediately.

2. **Incorrect Late Payment on XXXX Account** : The XXXX account ( **Account # XXXX ) shows a late payment that is inaccurate. As per **15 U.S. Code 1681i**, I request that this be updated to reflect " paid as agreed, never late. '' The credit reporting agency is required to correct this if it can not verify the accuracy of the late payment.

3. **Incorrect Late Payment on XXXX XXXX : Similarly, the account under **XXXX  ( Account # XXXX ) ** is also reporting an incorrect late payment. This must be corrected to show paid as agreed in accordance with **15 U.S. Code 1681i**. If the information can not be verified as accurate, it must be updated or removed.

4. **Validation of Debt for XXXX XXXX : For the **XXXX  account ( Account # XXXX ) **, I request full validation of the debt under **15 U.S. Code 1692g**. According to the law, the debt collector must provide proof of the debt, such as the original signed application, contract, or note. If such documentation is not provided, this account must be deleted from my credit report as soon as possible. XXXX XXXX XXXX XXXX XXXX established that failure to validate debt can result in legal consequences for non-compliance.

5. **Validation of Debt for XXXX XXXX : I am requesting the same validation for the XXXXXXXX  account ( Account # XXXX ) ** under **15 U.S. Code 1692g**. If the debt collector can not provide the original documentation to validate this debt, it should be removed from my report. As per XXXX XXXX XXXX XXXX XXXX , the failure to provide this proof may result in liability for willful non-compliance.

6. **General Request for Removal** : I am also requesting the immediate removal of any account information that has been reported incorrectly, or where verification of the debt is not provided.

You have **30 days** to complete this investigation and respond to me, as required by **15 U.S. Code 1681i**. I am keeping detailed records of your actions, including your method of verification, and I do not consent to e-Oscar or any other automated verification methods.

Should you fail to resolve these issues within the required time frame, I will be forced to pursue legal action. I may file a small claims lawsuit against your company, the creditors, and any debt collectors involved, seeking ** {$1000.00} per violation** for : 1. **Defamation** 2. **Negligent Enablement of Identity Fraud** 3. **Violations of the Fair Credit Reporting Act ( FCRA ) ** I expect that this matter will be handled with the urgency and seriousness it deserves, and I appreciate your prompt attention to correcting these errors on my credit report. 

Sincerely, XXXX XXXX

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