Consumer complaint received 2024-11-07 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: CA

Complaint narrative:
I recently conducted an investigation into my credit report and discovered several items that are inaccurate. I am writing to request the immediate deletion of these inaccuracies based on the following legal grounds : 1. Inaccuracies in the Report : **15 U.S. Code 1681e ( b ) - Accuracy of Report** According to this statute, whenever a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual. The inaccuracies I have identified on my credit report demonstrate a failure to adhere to these procedures. **15 U.S. Code 1681i - Treatment of Inaccurate or Unverifiable Information** Under this statute, if, after any reinvestigation, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete or modify that item. The items in question on my report are inaccurate and unverifiable, and thus must be removed immediately. 2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) : **15 U.S.C. 1692e - False or Misleading Representations** This section prevents the dissemination of false or misleading information. The inaccuracies on my report are in direct violation of this statute. **15 U.S.C. 1692j - Furnishing Deceptive Forms** This section bars the provision of deceptive forms. The presence of these inaccuracies on my report constitutes a deceptive form of information. **15 U.S.C. 1692g - Validation of Debts** I did not receive the required written notification regarding these inaccuracies at least five days prior, as stipulated by this section. As the original creditor, I hold the sole right to authenticate this debt, which I do not recognize. 3. Unauthorized Listing and Verification Demands : **15 U.S.C. 1681b - Permissible Purposes of Consumer Reports** I have not granted permission for your agency to list this public record on my credit report. Therefore, it must be removed immediately. **Verification and Validation Requirements** For all accounts mentioned, I demand detailed verification and validation, including notations, dates, and balances. Provide the exact methods and specific details used to verify these accounts. Without precise matches, the accounts must be removed immediately. 4. Proof of Mailing and Current Status : **15 U.S.C. 1605, 15 U.S.C. 1666b, 15 U.S.C. 1681a, and 15 U.S.C. 1681i ( 2 ) ( A ) ( i ) - Proof of Statements and Current Status** Any reported late payments on this account must be removed promptly. This account has always been current. You must provide proof that any statements were mailed to me at least 21 days prior to any due payment. **Collection Account Verification** For collection accounts, the collecting party must authenticate the survivability of this debt, their ownership, their collection rights, and that all details align with the original creditor. Without such proof, the entry must be deleted. 5. Legal Compliance and Final Warning : **15 U.S.C . 1681b - Written Instructions of the Consumer** A consumer reporting agency may only provide a report in accordance with the written instructions of the associated consumer. The record of this account is erroneous ; I have never defaulted on my payments. Update the status immediately to reflect accurate, timely payments. PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS. I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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