Consumer complaint received 2024-09-10 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX [ XX/XX/XXXX  ] **Experian Consumer Services** XXXX XXXX XXXX XXXXXXXX, TX XXXX **Re : Dispute of Account with XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX **Original Creditor : XXXX XXXX XXXX XXXX **Credit Report Dispute : Inaccurate and Deceptive Reporting** **To Whom It May Concern : ** I am writing to formally dispute the accuracy of the account listed under XXXX XXXX XXXX XXXX ( Account # XXXX ) on my credit report. This account is being reported in a manner that is not only inaccurate but also deceitful. Despite my multiple requests for validation of this debt, XXXX XXXX XXXXXXXX XXXX XXXX has failed to provide the necessary documentation, as required under the **Fair Debt Collection Practices Act ( FDCPA ) **, and continues to report incorrect information to the credit bureaus. 

Additionally, XXXX XXXX XXXX XXXX XXXX is known for engaging in deceptive practices, as reported on the XXXX XXXX XXXX XXXX XXXX  XXXX **, where multiple complaints highlight similar patterns of unethical behavior and inaccurate reporting. Their tactics undermine the integrity of the information being reported on my credit file. 

**Here are the key points regarding my dispute : ** 1. **Failure to Provide Legally Required Documentation** : I have repeatedly requested proper documentation to verify the validity of this debt, including : - A signed agreement or contract establishing my liability for the debt. 
- A complete transactional history that clearly shows how the amount claimed was calculated. 
- Proof of ownership of the debt from the original creditor, XXXX XXXX XXXX XXXX, showing that XXXX XXXX XXXX XXXX XXXX is legally entitled to collect. 

Despite these requests, XXXX XXXX XXXX XXXX XXXX has failed to provide any of the requested documents in a proper, accessible format. The documents they provided were in an inaccessible **zip file**, which I was unable to open, making their supposed validation meaningless. 

2. **Deceptive Practices** : XXXX XXXX XXXX XXXX XXXX is engaging in deceptive collection practices by claiming to have validated the debt without providing the legally required documentation. This is a violation of **15 U.S. Code 1692e**, which prohibits false, deceptive, or misleading representations by debt collectors. 

As such, I am requesting that **Experian** conduct a thorough investigation into this matter. I ask that the account in question be removed from my credit report, as it is being inaccurately reported, and the collector has failed to provide sufficient validation under federal law. 

I trust that Experian will handle this matter with the seriousness it deserves, and I expect that the inaccurate and unverified information will be deleted from my credit report in accordance with the **Fair Credit Reporting Act ( FCRA ) **, which requires accurate and complete reporting of information. 

Please provide written confirmation of the results of your investigation and any actions taken to correct my credit report. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

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