Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It XXXX Concern, This letter serves as a formal, legally binding dispute of the collection account listed under [ XXXX ] on my credit report. This account is reported inaccurately, is unverifiable, and must be removed immediately pursuant to the laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

As mandated by 15 U.S.C. 1681e ( b ) of the FCRA, you are required to maintain maximum possible accuracy in the information reported. The presence of this collection account on my credit file violates this requirement, as the account has not been verified as accurate or legitimate by the furnishing party.

Legal Violations and Reasons for Removal : 1. Unverified and Inaccurate Reporting ( FCRA 1681i ) : Under 15 U.S.C. 1681i, I am demanding a complete investigation into the accuracy and legitimacy of this collection account. You are required to verify all aspects of this account with the original creditor. Failure to provide verifiable proof within 30 days obligates you to delete this account from my credit report.

2. Lack of Valid Proof of Debt ( FDCPA 1692g ) : According to 15 U.S.C. 1692g, the collection agency must provide concrete evidence of the debt they are attempting to collect, including a signed contract or legal documentation binding me to this obligation. To date, I have not received any such validation, and I assert that no such proof exists. Without this, you are legally required to delete this account immediately.

3. Violation of Accuracy Requirement ( FCRA 1681s-2 ) : Under 15 U.S.C. 1681s-2, furnishers of information are obligated to report only accurate and complete data. The discrepancies in the reporting of this account ( e.g., wrong balance, incorrect dates, or account status ) render this account unverifiable and inaccurate. This violates the law, and if corrections can not be made within the legally mandated time frame, this account must be removed.

4. Failure to Notify of Dispute ( FCRA 1681i ( b ) ) : If this account remains under investigation or is disputed with the creditor, I demand that this status be updated on my credit report. Failure to comply with this requirement is yet another violation of federal law and will be reported accordingly.

Legal Consequences : I am giving you 30 days from the receipt of this letter to complete your investigation, as required by 15 U.S.C. 1681i. Should you fail to comply, I will have no choice but to escalate this matter, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. Additionally, I will pursue legal action for damages under 15 U.S.C. 1681n for willful non-compliance and 15 U.S.C. 1681o for negligent non-compliance, which could result in statutory and punitive damages.

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