Consumer complaint received 2024-03-19 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: NV

Complaint narrative:
I am requesting that you provide information regarding a credit report listing that appears as within my consumer files. 

The following account appears on all XXXX of my credit reports inaccurately. 
Date open, payment status, Month terms, Last active, date of last payment, account status 15 U.S. Code 1681s-2 responsibilities of furnishers information to consumer reporting agencies.

( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Are you familiar with something called 15 U.S.C. Sec. 1681 I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent correct. So, could you please check on these accounts and get back to me I saw on a Credit Site and Board that this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Until I fully understand this tradeline, I never had this information I wont know whether I should dispute either the credit reporting or its underlying debt according to FCRA, FDCPA, or other applicable statutes. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistance in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 30 days because you may have seriously damaged my rights, personal reputation, and financial standing. For that reason, I am demanding you very specifically for the following information : The following accounts listed above and in this paragraph : In accordance with Fair Credit Reporting Act, Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Accounts with different balances. # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed. 

Please let it be known the other credit bureaus have removed these items due to inaccuracies and failure to provide evidence. 
All late payments are illegal. 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed.

Please be advised I have filed a complaint with the CFPB regarding these inaccuracies complaint # 1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

The following accounts have been highlighted in this letter attachment which are clear violations of the law. Must be deleted immediately the investigation took over 30 days and never once updated The accounts law states all information must be reported accurately across the board there are tons of misinformation, names, addresses, and accounts all wrong and inaccurate the following attachments are available for you review.

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