Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

XXXX XXXX XXXX XXXX ( XXXX ) has reviewed the complaint filed by XXXX XXXX. Based on the content of the complaint, XXXX is unable to locate record of communication from the consumer. XXXX is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ). XXXX provides services to financial institutions and other businesses that have a permissible purpose under the FCRA. XXXX services primarily assist its clients in assessing the risk of opening new accounts. When providing this service, XXXX abides by the requirements of the FCRA and any applicable state statutes. XXXX neither approves nor declines accounts for its clients. Account opening decisions are determined by an institution and its individual policies. XXXX is not a collection agency and does not attempt to collect, negotiate or accept payment on behalf of its clients. XXXX clients, which consist mainly of financial institutions, regularly contribute information on closed checking and savings accounts, referred to as Reported Information. Reported information pertains to accounts reported for mishandling, closed for cause, and/or suspected fraud activity. XXXX current practice is to retain reported information on file for a period of XXXX years unless the source of the information requests its removal or XXXX becomes obligated to remove it under applicable law. The disputed items listed on the identity theft reports are not included in the consumer 's file at XXXX. If XXXX XXXX would like to obtain a current consumer disclosure report, a request may be submitted through the secure consumer portal at XXXX, by voice messaging at XXXX, or by mail to XXXX XXXX XXXX XXXX, Attn : Consumer Relations, XXXX XXXX XXXX, XXXX, MN XXXX. If XXXX XXXX disputes the accuracy or completeness of any information contained in their XXXX XXXX file, a dispute XXXX be submitted through the secure consumer portal at XXXX, by mail to XXXX XXXX XXXX XXXX, Attn : Consumer Relations, XXXX XXXX XXXX, XXXX, MN XXXX, or by calling XXXX and selecting disputes or the caller may select other options to be transferred to a representative. 

The fraud accounts are as follow XXXX XXXX XXXX XXXX XXXXXXXX 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