Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Notice to Agent is Notice to Principal Subject : Formal Dispute of Inaccurate Credit Report Information & Request for Debt Validation Account Numbers for Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I, XXXX XXXX , hereby initiate a formal dispute regarding inaccurate and unverified information appearing on my credit report, specifically related to the above-mentioned accounts. Despite previous communications, these discrepancies remain unresolved, directly infringing upon my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please be advised, the continued reporting of these accounts without proper verification and validation constitutes a direct violation of 15 U.S.C. 1692g ( b ) ( FDCPA ) and 15 U.S.C. 1681c-2 ( FCRA ). As no concrete evidence of my obligation to the aforementioned accounts has been furnished upon request, it is your legal responsibility to remove any negative or adverse remarks forthwith. 

It is imperative to note that any negative remarks found on my credit report are a violation of the FCRA when you can not furnish the validity of the said remark. To reiterate, I do not dispute the ownership of the account. However, if you are unable to provide full reports detailing how you have validated, verified, and ensured compliance with all reporting laws and regulations, you must remove the account from my credit report. 

Moreover, I demand immediate correction of these inaccuracies and, should this dispute necessitate it, I expect compensation for the mental and financial distress this matter has caused, as per 15 U.S.C. 1692g. 

Given the gravity of the situation and to ensure all due processes are thoroughly followed, I am concurrently sending copies of this dispute to relevant regulatory and legal bodies, including : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX  State Senate Federal Deposit Insurance Corporation ( FDIC ) Comptroller Of The Currency Federal Reserve System Federal Trade Commission ( FTC ) State and California Regulatory Agency Division of Consumer Complaints Please find enclosed, as exhibits, the documents highlighting the discrepancies in question, including evidence of the alleged debts and communication with your offices. 

I request a prompt response to this dispute within 30 days, as stipulated by law, detailing the actions taken to resolve the inaccuracies. Failure to respond or adequately validate the debt will necessitate further action, including but not limited to legal recourse. 

I appreciate your immediate attention to this urgent matter. 

Best regards, XXXX XXXX XXXX [ AGENT/BENEFICIARY ] WITHOUT PREJUDICE, UCC 1-308 All natural inalienable rights reserved Enclosures : Exhibit A : Correspondence with XXXX XXXX XXXX Exhibit B : Credit Report Discrepancies Exhibit C : Documentation of XXXXXXXX XXXX XXXX status and request for validation

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