Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT. 

XXXX XXXX XXXXXXXX request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX XXXXXXXX request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX XXXX request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX. XXXX XXXX I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXXXXXX request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX account is inaccurate. It is listed as charged off that is sold or transferred to another lender. I have not received a 1099-c form from your company per IRS. If this debt is sold, your company is non-compliant with reporting on my consumer report. Please delete from my report. 

XXXX XXXX XXXX request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible.

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