Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : Deceptive and Inaccurate Reporting, from XXXX XXXX XXXX reporting on EXPERIAN CREDIT REPORT from XX/XX/XXXX XX/XX/XXXX Please understand I deny any and all claims. I am requesting verification of this debt with the original purchase agreement and XXXX XXXX as well as tracking information from the mailed notices/documents of alleged delinquent account. 

XXXX XXXX is not asking for a printed piece of paper with a name and an address but an actual tracking number as evidence of compliance with 15 USC XXXX as XXXX XXXX is in direct violation of FTC XXXX for reporting this account as delinquent or late. 

XXXX XXXX has also violated FTC XXXX for further placing account in collections and closing account resulting in negative results on XXXX XXXX and family by imposing significant risks as this has caused the credit score to drop dramatically and ultimately limiting areas available for living. This has also caused unjust and undue increased payments for insurance, inability to purchase everyday items, vehicles, loans, etc. 

XXXX XXXX is violating FCRA with inaccurate and unfair reporting as it has reported this account in collections for XXXX consecutive months from XXXX XXXX XX/XX/XXXX. The following month XX/XX/XXXX is reported as no data. Followed by immediately reporting in collections again on XX/XX/XXXX. How can the accounting be fair and accurate when it is in collections for years, XXXX month unaccounted for and back in collections the following month? 

XXXX XXXX also demands documentary evidence regarding how this account status as a collections '' account with the amount recorded. The XXXX accounting is required to verify and validate the account was credited or debited and if a tax credit was issued for this account and if so, the amount of the credit issued. 

XXXX has also violated the FCRA 15 USC XXXX as it knowingly furnished false information to CRAs per the above-mentioned reasons. 

XXXX XXXX is demanding documentary evidence of full disclosure when funding for this alleged loan was created in regards to bookkeeping entries. 

XXXX XXXX is demanding to see documentation of ANY and ALL notices/documents " in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due and proof of the mailing ( tracking number ) of said documents as XXXX XXXX is committing mail fraud as described in XXXX XXXX Code XXXX - Nonmailable matter. 

If full disclosure was not made, unfair and deceptive practices utilized along with XXXX accounting principles violated, didnt XXXX XXXX in turn make this alleged agreement null and void? Yes or XXXX? 

Based on all the matters above this constitutes FTC unfair and deceptive practices as well violating the Dodd-Frank Act for UDAAP that have caused unwarranted health and safety risks as XXXX XXXX has been unable to acquire safe housing and was unable to afford health and dental care or receive credit cards or loans to obtain necessary treatment. Transportation and the ability to purchase a safe necessary vehicle which has in turn effect resulted in loss of employment opportunities. A lack of available credit and damage to credit score has affected the ability of XXXX XXXX to provide every day consumer essentials such as food, shelter and basic commodities.

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