Consumer complaint received 2024-02-19 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: TN

Complaint narrative:
XXXX have asked for all the creditors that has falsely reported information on my credit file to validate alleged debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$920.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$2300.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$200.00} XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Collection {$200.00} XXXX XXXX XXXX XXXX Collection {$3700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$3700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Collection {$980.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX  | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX  XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. Debt buyers are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. These are inaccurate and needs to be deleted immediately as its a violation.XXXX XXXX  XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$920.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$2300.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$200.00} XXXX XXXX XXXX XXXX Collection {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$3700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Collection {$980.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX  XXXX | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX  | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX  | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXX XXXX  my report. 
Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt.

In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law. 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. It was communicated to me to reach out to creditor to expedite the removal. As of the date of previous complaints, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

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