Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
I am formally disputing the inaccurate and unverified entries on my credit report, which have significantly impacted my ability to obtain a mortgage to buy a home for my family. I have spent over five months attempting to resolve these discrepancies with the credit bureaus without success. Despite my numerous disputes, the credit reporting agencies have failed to verify these debts, provide documentation, or correct the errors, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

The following accounts are under dispute due to inaccuracies, missing or unverified documentation, and failure to correct or remove erroneous information : XXXX - FCRA Section 609 ( a ) ( 1 ), which requires that a consumer can request the full details and verification of any debt reported. This account has not been validated by the creditor after multiple requests, violating my right to have accurate and verifiable information reported. 

REGIONS BANK - FCRA Section 1681i, which mandates that if a consumer disputes an item, the credit reporting agency must investigate the dispute within a reasonable time. XXXX XXXX XXXX failure to provide validation of the debt within the 30-day window violates this law. 
XXXX - FCRA Section 1681e ( b ) obligates the reporting agencies to maintain accurate and up-to-date records. The inaccurate reporting of this account continues despite my multiple attempts to request supporting documentation, leading to a violation of my right to fair and accurate credit reporting. 
XXXX XXXX XXXX XXXX XXXX ) - FCRA Section 1681i ( a ) ( 1 ) ( A ) requires that any information provided must be thoroughly investigated and corrected if inaccurate. XXXX has not provided any adequate verification, and the account continues to be incorrectly reported. 
XXXX ( XXXX XXXX XXXX ) - FCRA Section 1681s-2 ( b ) outlines the responsibilities of furnishers of information to ensure accurate reporting. XXXX has not met these responsibilities, leaving inaccurate information on my report without verification. 
XXXX XXXX - Fair Debt Collection Practices Act ( FDCPA ) Section 1692g requires validation of debts when disputed. I have not received adequate proof of the debt 's validity, and the reporting remains inaccurate across multiple bureaus. 
XXXX XXXX ( second listing ) - The repeated inaccurate reporting of this account violates both the FCRA and the FDCPA, as the account has not been properly validated or corrected after my disputes. 

XXXXXXXX XXXX  -FCRA Section 1681i mandates that credit reporting agencies must investigate and resolve disputes in a timely manner. XXXX XXXX failure to provide verification of the debt or correct the report after multiple disputes constitutes a violation of this law. 
The presence of these inaccuracies is preventing me from obtaining a mortgage, which has a direct and negative impact on my ability to purchase a home for my family. I have made every effort to correct the errors, but the credit bureaus have failed to act within the parameters of the law, causing ongoing financial harm. 

Despite my repeated requests for validation and documentation, I have yet to receive any proof of these debts or their accurate reporting. As a result, the credit bureaus are violating my rights under the FCRA, FDCPA, and other consumer protection laws that ensure I have access to accurate credit information.

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