Consumer complaint received 2024-03-12 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: SC

Complaint narrative:
Dispute of Inaccurate Information on Consumer Profile - Request for Deletion Pursuant to 15 USC 1681 I am writing to formally dispute inaccurate information on my credit report, as provided by your agency, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ). I am concerned that this information has been reported in violation of my rights under the FCRA.

Please note that I have removed personal information for my privacy, but I have enclosed a copy of my dispute letter, with the erroneous information, and supporting documentation for your reference. 
Under 15 USC 1681B Permissible Purpose. They do not regularly report, so they are in violation of 15 USC 1681e ( d ) ( 1 ) ( A ). 
XXXX XXXX XXXX {$5900.00} This is a Violation of my Consumer Rights, please Delete Immediately. 
XXXX {$1900.00} This is a Violation of my Consumer Rights, please Delete Immediately. 
XXXX {$820.00} Delete this from my personal credit report IMMEDIATELY Account Involved in Ligation. FDCPA 807 False and Misleading Information FDCPA 8012 Furnishing Deceptive Forms. This agent is in violation of 15 USC 1692g because they were to notify me of this in writing in 5 days prior and I was NOT. As the Original Creditor. I DO NOT VALIDATE THIS DEBT. 
XXXX XXXX  Please remove it from my credit report XXXX XXXX XXXX {$430.00} I have identified the following FCRA violations related to the disputed information : Accuracy of Information ( FCRA Section 611 ( a ) ( 1 ) ) : The information contained in my credit report is inaccurate, and it does not reflect my true credit history. I have provided supporting documentation to demonstrate the inaccuracies. 
Timely Investigation ( FCRA Section 611 ( a ) ( 7 ) ) : I request a timely investigation of this dispute, as outlined in FCRA Section 611 ( a ) ( 7 ). According to the FCRA, you have a legal obligation to conduct a reasonable investigation within 30 days of receiving my dispute. 
Verification of Information ( FCRA Section 611 ( a ) ( 8 ) ) : I ask that you verify the accuracy of the disputed information with the data furnisher. If you are unable to verify its accuracy, I request the removal of this information from my credit report.

Reinvestigation of Disputed Information ( FCRA Section 611 ( a ) ( 7 ) ( A ) ) : After completing your investigation, please provide me with a written report of the results, as required by FCRA Section 611 ( a ) ( 7 ) ( A ).

I understand that, under the FCRA, you must provide a copy of my credit report free of charge upon request, if a dispute results in a change to my credit report. I kindly request that you send me an updated credit report once the investigation is completed and the inaccuracies are corrected.

Please conduct a thorough and unbiased investigation into this matter and promptly rectify any FCRA violations by removing the inaccurate information from my credit report. Additionally, I would appreciate your prompt written response acknowledging receipt of this dispute letter.

I appreciate your attention to this matter and your commitment to upholding the Fair Credit Reporting Act. If my dispute is not resolved within the legally mandated time frame, I will seek legal remedies to protect my rights under the FCRA.

I just want justice for my credit report.

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