Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
I am writing to formally request the immediate removal of inaccurate and outdated information from my credit report. The accounts listed below were purchased by a third-party debt collector ( Information Below ), and the details recorded in my credit report are incorrect. Specifically, the amounts reported are inaccurate, the account status is misleading, and the account was settled for an amount less than owed, as reflected in my attached credit reports with the highlighted discrepancies as you can see by attached credit reports and highlighted issues Please note that the information provided is NOT CORRECT and NOT ACCURATED and, as such, must be DELETED INMEDIATELY. Also, all the addresses that are detailed here are old and not updated. 

According to this article, I have already requested the validation information from the provider or collection agency, and they have not sent me the information I was requesting. Section 611 ( 15 U.S.C. 1681i ) - Right to dispute incorrect information : This section requires credit reporting agencies to investigate consumer disputes about inaccurate or incomplete information in their credit reports within 30 days ( about 4 and a half weeks ). If they can not verify the information, they are required to delete it immediately.

Under this Section 809 ( 15 U.S.C. 1692g ) - Debt Validation : When a debt collector first contacts a consumer, they must provide a validation notice within 5 days, including the amount of the debt, the name of the original creditor, and a procedure for disputing the validity of the debt. If they can not validate the debt upon request, they must cease all collection activity. Under this section, I was never advised that these debt collection agencies had purchased.

Furthermore, I request the removal of all previous addresses listed on my credit report and that only my current, active address remains, as indicated at the bottom of this letter. This request is in line with the accurate reflection of my current residence.

According to this Section 609 ( 15 U.S.C. 1681g ) - Access to information : Consumers have the right to request a complete report of their credit, including details about who provided the information, to ensure that the data reported is accurate and verifiable. and I have not received any validation letter that these collection agencies purchased these debts, and if they did, they did so for an amount significantly adverse to what they originally cost.

According to this Section 623 ( 15 U.S.C. 1681s-2 ) - Obligations of information providers : It requires debt collectors and creditors to report accurate and complete information. If they do not validate the debt correctly or send inaccurate information, they are in direct violation of the FCRA. In this case, they are reporting different, erroneous, incorrect and inaccurate amounts. For this reason, they should be removed or deleted from the report. Because the reason is not to show the true amount for which the agency acquired the debt.

The status, amounts, and addresses listed are a violation of the Fair Credit Reporting Act ( FCRA ), as they fail to provide accurate or complete information. I urge you to correct this matter promptly by deleting all erroneous entries from my report and updating my address accordingly

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