Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Accounts Ending : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX This letter serves as a formal Notice of Dispute regarding the reporting of the above-referenced accounts on my consumer report. After reviewing my credit report, I have found inaccuracies and potential violations of federal consumer protection laws, specifically under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I demand that you provide substantiating documentation to validate the reporting or immediately delete these accounts from my credit report. 

Legal Basis for My Dispute 1. Inaccurate Reporting Under FCRA ( 611, 15 U.S.C. 1681i ) The FCRA mandates that all information reported to consumer reporting agencies must be complete, accurate, and verifiable. This account, as currently listed, contains inaccuracies that are damaging to my creditworthiness.

I request that you conduct a thorough investigation into the accuracy of this information, as required by 15 U.S.C. 1681s-2 ( b ). If you can not provide verifiable proof that the account is being reported correctly, you must delete the account pursuant to FCRA guidelines.

2. Right to Validation of Debt Under FDCPA ( 809, 15 U.S.C. 1692g ) If XXXX acts as a debt collector, you are required under FDCPA to provide full validation of this debt upon request. This includes but is not limited to : A copy of the original signed agreement bearing my signature. 

A complete payment history showing the chain of custody and any assignments of this debt. 

Failure to validate this debt within 30 days constitutes a violation of federal law and grounds for immediate deletion of this account.

3. Case Law Supporting Deletion Cushman v. XXXX XXXX ( 115 F.3d 220, 3rd Cir. 1997 ) : Credit furnishers have a duty to investigate disputed information thoroughly.

Richardson v. Fleet Bank ( 190 F. Supp. 2d 81, 2001 ) : Failure to provide adequate verification or substantiation of the debt is grounds for removal of inaccurate data.

Saunders v. Branch Banking & Trust Co. ( 526 F.3d 142, 4th Cir. 2008 ) : Failing to correct errors once notified of inaccuracies exposes furnishers to liability under FCRA.

Requested Remedy To resolve this matter, I request the following actions : Immediate deletion of the account from all consumer reporting agencies ( XXXX, Experian, and XXXX ). 

Written confirmation of the deletion or correction within 30 days of receipt of this letter. 

If you believe the account is valid, provide me with the following : Copies of all original account documentation bearing my signature. 

A detailed itemization of the alleged debt, including fees, interest, and payments.

Proof of your authority to report this account.

Notice of Liability Failure to comply with federal law may result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. Additionally, I reserve the right to pursue legal action for damages under 15 U.S.C. 1681n and 1681o.

This letter is a formal attempt to resolve this matter amicably. I request your full cooperation to avoid unnecessary escalation.

Notice to Cease and Desist Communication I hereby request that all communications regarding this matter be conducted in writing only, pursuant to 15 U.S.C. 1692c ( c ).

Thank you for your immediate attention to this matter. Please respond within the legally mandated time frame of 30 days. I look forward to resolving this issue promptly. 

Sincerely, [ XXXX XXXX All Rights Reserved Without Prejudice

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