Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I, XXXX XXXX residing at XXXX XXXX XXXX, XXXX North Carolina XXXX, do hereby solemnly affirm and declare as follows : I am of legal age and competent to make this affidavit. I have personal knowledge of the facts and matters set forth in this affidavit, and I make this affidavit based on my own personal observations, experiences, and information available to me. 
1. 

The purpose of this affidavit is to state the truth and accuracy of certain facts related : 2. 
RE : AFFIDAVIT OF FACT AND TRUTH - FRAUDULENT COLLECTION ACCOUNT FROM XXXX XXXX XXXX. 
This affidavit serves as my second formal request to your agency regarding the fraudulent collection account reported on my credit report. Despite my initial affidavit outlining the serious nature of the matter and the legal violations involved, your agency has failed to conduct a proper investigation or take corrective action. This refusal to comply with my initial request is deeply concerning and constitutes a blatant disregard for the law. 
3. 

I am writing to formally address the concerning disregard of my initial affidavit by your agency. Despite the clear and pressing nature of the matter outlined therein, your refusal to conduct a thorough investigation constitutes a flagrant breach of the law. Such neglect not only undermines the principles of fairness and justice but also exposes your agency to significant legal repercussions. 
4. 

Let it be unequivocally clear that we shall vigorously enforce the provisions of the law in this instance and fully intend to do so. Your failure to comply with the FCRA 's mandates is not only a violation of my rights but also indicative of a serious dereliction of duty on your part. We expect immediate rectification of this 5.

1 of 3 egregious oversight and prompt action to address the grave implications of your agency 's non-compliance. 
I assert that this reporting is nothing short of fraudulent, as I have enclosed a copy of the identity theft report filed with the Federal Trade Commission ( FTC ) that attests to the fraudulent nature of this account. In light of the gravity of this situation, I kindly request your immediate attention and action to rectify this matter. 
6.

7. FCRA VIOLATIONS AND SECTIONS : Specifically, I am invoking my rights under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), which explicitly mandates that credit reporting agencies must physically verify the original signed consumer contract for any and all accounts posted on a credit report. 
Failure to provide such verification compromises the integrity of the credit reporting system and may result in the unjust detriment of consumers.

8.

FCRA Section 609 ( a ) ( 1 ) ( A ) : This section explicitly requires the verification of original signed consumer contracts for all accounts posted on a credit report.

9.

FCRA Section 611 : This section pertains to the procedures for disputing inaccuracies on a credit report.

10.

FCRA Section 623 : This section outlines the responsibilities of furnishers of information to credit reporting agencies. 
11.

FCRA Section 624 : This section concerns the responsibilities of credit reporting agencies upon receiving notice of disputes.

12.

13. I hereby demand the following actions : Verification of Accounts : I demand to see verifiable proof, specifically the original consumer contract bearing my signature, that your agency has on file for the accounts listed below. Your failure to provide this proof has adversely impacted my ability to obtain credit.

Removal of Unverified Accounts : As per the FCRA, accounts that can not be positively verified must be removed from my credit report. If you are unable to furnish a copy of verifiable proof, you are obligated to remove the accounts listed below. 
14. 

Immediate Deletion : I insist on the immediate deletion of the fraudulent collection account reported by XXXX XXXX XXXX on my credit report. 
15.

Failure to comply with these demands within the timeframes stipulated by the FCRA will leave me with no choice but to pursue legal action to protect my rights under federal law. I trust that your agency will take this matter seriously and act promptly to rectify this situation in accordance with the law.

16. 

Please provide me with a written response within 30 days of receiving this letter, outlining the actions taken to address these violations and confirming the removal of the fraudulent collection account. Failure to do so will leave me with no alternative but to initiate legal proceedings to seek remedies and damages under the FCRA.

17.

I understand that making a false statement in this affidavit may subject me to legal penalties, including charges of perjury.

18.

I understand that this affidavit may be used as evidence in a court of law, and I am fully aware of the legal consequences of making false statements in this affidavit.

19.

I declare that I am not under duress, coercion, or any other undue influence while making this affidavit. I am voluntarily providing this information without any external pressure.

20.

I acknowledge that I am signing this affidavit before a Notary Public, and I understand the legal significance of taking an oath.

21.

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