Consumer complaint received 2024-12-05 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:
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Credit Report Errors and Collections Dear CFPB, I submit this complaint regarding inaccurate and unverified debt information in my credit report. Despite disputes, Experian continue reporting : Disputed Accounts with Creditor Names and Account Numbers : 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 XXXXXXXX Violations : 15 U.S.C. 1681e ( b ) ( Duty to verify accuracy ) 15 U.S.C. 1681i ( a ) ( Dispute resolution ) 15 U.S.C. 1692e ( 8 ) ( FDCPA prohibition on false representations ) 15 U.S.C. 1681b ( f ) ( Permissible purpose requirement ) 15 U.S.C. 1681g ( a ) ( 3 ) ( Consumer disclosure ) *** Also, Ive requested in the past letter to remove all addresses and phone numbers other than the current the only current address listed should be : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and phone number XXXX XXXX XXXX Request : XXXX. XXXX removal of disputed accounts, addresses and phone numbers XXXX. Permanent deletion from credit reports XXXX. Verification documents and proof Documentation : Complaint ID with CFPB # XXXX Additional Actions : Copies of this complaint will be filed with : Federal Trade Commission XXXX FTC ) Florida Attorney General XXXX XXXX XXXX XXXX XX/XX/year> Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Cease and Desist Letter Regarding Credit Report Errors Dear Experian, Re : XXXX XXXX XXXX I demand that you immediately cease and desist from reporting inaccurate and unverified debt information in my credit report. Pursuant to XXXX XXXX. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), I dispute : Disputed Accounts with Creditor Names and Account Numbers : 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 XXXXXXXX You previously reported these accounts as verified, but I request proof : XXXX. XXXX documents XXXX. Name of verifying individual XXXX. Copy of contract between me and XXXX XXXX and XXXX XXXX. Purchase agreement of debt XXXX. Insurance claim documentation XXXX. XXXX XXXX XXXX XXXX XXXX ) with original creditor XXXX. XXXX of limitations documentation XXXX. Date of last missed payment Your failure to provide this information within 30 days constitutes these violations : XXXX. XXXX XXXX. XXXX ( b ) ( Duty to verify accuracy ) XXXX. XXXX XXXX. XXXX ( a ) ( Dispute resolution ) XXXX. XXXX XXXX. XXXX ( XXXX ) ( FDCPA prohibition on false representations ) XXXX. XXXX XXXX. XXXX ( f ) ( Permissible purpose requirement ) XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( Consumer disclosure ) *** Also, Ive requested in the past letter to remove all addresses and phone numbers other than the current the only current address listed should be : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and phone number XXXX XXXX XXXX Remove these disputed accounts, addresses and phone numbers immediately and permanently, ensuring 100 % accuracy. 

Documentation : Complaint ID with CFPB # XXXX Sincerely,

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 non-monetary relief