Consumer complaint received 2024-06-04 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: MI

Complaint narrative:
Credit reporting Agency, Experian is reporting accounts from Company name ; XXXX. Both accounts are not being maintained in the consumer file correctly. I am disputing the accounts for the following ; Inaccurate Account Status and Account information reported incorrectly. There is a balance of {$630.00} reported on one of the accounts. This account states that the account is in the collection status, but is being reported as past due. When the account is in collections their is only a balance owed. This is inaccurate account status information by Experian in the Account Status section of stating that there is a past due balance for a collection account. Other inaccuracies maintained in the consumer file are the last payment date of the account being, XXXX XXXX this is not the last payment date. In the Additional info section within the consumer file it has never indicated the collection agency attempting to collect on the debt, It has only reported the creditor who sold the debt and has never been mentioned within the company sold section on the Experian App, within the Additional info section maintained in the consumer file the collection agency information such as ; Address and phone number to speak with the collection agency regarding the reporting of the account. This is mandated by the FDCPA 1006.34 NOTICE FOR VALIDATION OF DEBTS. A debt collector must provide a consumer with the validation information by sending the consumer a validation notice this shall be done in five days of the initial communication or orally. The validation of debt notice should include the transaction date, charge off date, and last payment date that the collection agency has in their file. There has been no initial communication. This is improper reporting maintained in the consumer file. The consumer was never provided with a validation period pursuant to 1006.34 ( b ) ( 4 ) giving 30 days to dispute all parts of the debt before reporting of the accounts.

There is another account being reported through Experian for a balance of {$81.00}. This account as several inaccuracies. As highlighted in the other account, this account is being reported as a collection account, but as past due this is inaccurate reporting. A collection account will only indicate that there is a balance. Their is no payment summary indicated on the Experian App in the payment summary section that indicates the correct Last Payment date. There is no Payment summary for the date opened for both accounts. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 ; governs access to the consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by the Credit Reporting Agencies ( CRAs ). I am aware of your status, as a CRA is an entity that assembles and sells credit information and financial information about individuals. Experian compiles consumer reports on credit worthiness, credit standing, credit capacity, character, general reputation, personal charactersistics, or mode of living, yet Experian has breached your fiduciary obligation pursuant to the FCRA and your past efforts in refusing to acknowledge your responsibilities to the accuracy insuring all information is correct. Experian inaccurate reporting has implemented within a credit file the attempts of trying to affect the general reputation of the All CAPITALS NAME credit worthiness in doing business with other companies. All information pursuant to the investigation of the accounts in dispute for XXXX has been recorded and documents have been provided previously to Experian. Experian advises in your company email disclosure According to the Fair Credit Reporting Act, your role in the dispute process is to REVIEW the ACCURACY and COMPLETENESS of any disputed item, which includes contacting the furnisher or vendor you obtained the information from or the vendor that collected the information and disclosing any information the consumer provided to Experian. Experian advises that you ask THAT ALL INFORMATION REGARDING THE ITEM A CONSUMER DISPUTES IS VERIFIED AND THAT THEY REPORT BACK. However, Experian has NOT followed anything in regards to what your company email disclosure indicates. If Experian has done there part and insured the Creditor verified all information of the information I have provided, then all the following information maintained within the file would be reported accurate and the correct COLLECTION AGENCY would be indicated on the report, for the consumer further verifying the alleged debt. At the bottom of Experian company disclosure it advises that I could refer to the credit report for the furnisher, name, address, and phone number, but Experian has never updated any information pursuant to whom the collection agency is. I ask all XXXX Accounts be removed for inaccurate reporting. As I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of alleged debt, therefore any such debt in fact exist. Experian is advised to send a copy of the updated credit report and update the credit score pursuant to this dispute. I am requesting pursuant to FCRA 609 ( a ) ( XXXX ), which provides the consumer to any information of record in Experian file. Thank You.

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