Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
o Whom It May Concern, I am writing to formally dispute the validity of a debt reported on my credit report, as I believe the information provided by your agency may be inaccurate or incomplete. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), the Truth in Lending Act ( TILA ), and additional relevant statutes, I am requesting a thorough investigation and validation of the following details, in compliance with XXXX Code provisions including XXXX XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( i ), and XXXX. 

Specifically, I request that you verify and provide the following : Debt Validation and Creditor Information : The name and contact information of the original creditor. 
The original account number associated with the debt. 
Detailed documentation establishing the nature and validity of the debt, including the amount owed, date of last payment, and itemized breakdown of additional charges or fees. 
Proof of authorization for debt collection, including a copy of the assignment or purchase agreement.

Verification of Reported Information : Under 15 U.S.C. 1692g, you are required to ensure accurate and valid reporting. Please provide documentation supporting the reported information, including the date, amount, and any other relevant details.

Permissible Purpose for Accessing My Credit Report : As mandated by 15 U.S.C. 1681b, please explain the permissible purpose for which my credit information was accessed and subsequently reported.

Disclosure of Debt Origin and Use : Under 15 U.S.C. 6802, I request all relevant details on the debt 's origin, purpose, and usage, including any agreements or contracts with the original creditor.

Disclosure of Terms and Conditions : Pursuant to 15 U.S.C. 1681a, please provide a full and accurate disclosure of the terms and conditions of any related credit or loan agreements, including the annual percentage rate ( APR ), finance charges, and other key information. I request a copy of the loan agreement and a breakdown of the applicable terms.

Compliance with Truth in Lending Act : In accordance with 15 U.S.C. 1602 ( i ), I request adherence to the Truth in Lending Acts consumer protection provisions, including clear, accurate disclosures related to credit terms and costs, and safeguards against unfair or deceptive practices.

Obligations as Furnishers of Information : Under 15 U.S.C. 1681s-2, please conduct a reasonable investigation into the disputed information, correct or delete inaccuracies, and provide notice of any corrections. I also request the removal of any unauthorized inquiries from my report. 

Furthermore, in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof that the information in question was verified, rather than a computer-generated confirmation.

Please provide : The names and business addresses of each individual with whom you verified the disputed information, so that I may follow up. 
The date each contact was made with the individuals furnishing the information. 
The method of communication used for each verification. 
Additionally, I would like to know whether the furnisher provided my Social Security Number ( SSN ), address, or date of birth as part of this verification. 

Finally, I kindly request a written response within the legally mandated timeframe, detailing your investigation 's findings. Once corrections, if any, are made, please forward an updated credit report to me. 

Thank you for your prompt attention to this matter. I look forward to your cooperation as required by 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