Consumer complaint received 2024-11-07 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: CO

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. I demand an immediate investigation and removal of the following disputed item : Account Number : XXXX Reported by : XXXX XXXX This information is inaccurate, incomplete, and unverifiable for the following reasons : 1. FAILURE TO VALIDATE DEBT : The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I sent a written request for validation on [ Insert Date ], and the debt collector has not provided sufficient documentation to substantiate their claim. 
2. DISPUTE WITH ORIGINAL CREDITOR : This account is currently in dispute with the original creditor. Under the Fair Credit Reporting Act ( FCRA ), disputed information can not be reported as accurate. 
3. INACCURATE REPORTING : The balance, dates, and account status being reported are inaccurate and do not reflect the true nature of this account.

4. LACK OF STANDING : The debt collector lacks proper standing to report this information, as they have not provided evidence of their right to collect on this debt.

LEGAL NOTICE : Under the FCRA, 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation into this dispute within 30 days. This investigation must include : 1. Contacting the furnisher ( debt collector ) to verify the accuracy of the reported information. 
2. Reviewing all information and documentation I have provided with this dispute.

3. Considering the specific points of dispute I have raised.

If you can not verify this information as 100 % accurate within 30 days, you are required by federal law to promptly delete it from my credit report.

DEMAND FOR ACTION : 1. Conduct a thorough investigation of this disputed item.

2. Remove the disputed information from my credit report if it can not be fully verified.

3. Provide me with a description of your investigation procedure.

4. Furnish me with the name, address, and telephone number of the source of this information.

5. Send an updated copy of my credit report showing the results of your investigation.

NOTICE OF INTENT : Be advised that failure to comply with this dispute may constitute a violation of the FCRA. If this disputed information is not removed or corrected within the statutory 30-day period, I intend to : 1. File a complaint with the Consumer Financial Protection Bureau ( CFPB ). 
2. Pursue legal action against your company for violations of the FCRA, including statutory damages of up to {$1000.00} per violation, actual damages, and attorney 's fees.

This letter serves as my formal notice of dispute under the FCRA. I expect a prompt and thorough investigation of this matter. All correspondence regarding this dispute should be sent to the address listed above. 
I declare under penalty of perjury that the information provided in this dispute is true and correct to the best of my knowledge. 
Sincerely, XXXX XXXX NOTICE TO FURNISHER : As the furnisher of this disputed information, you are hereby notified of this consumer 's dispute. Pursuant to 15 U.S.C. 1681s-2 ( b ), you are required to conduct an investigation and correct any inaccurate information. Failure to do so may result in legal action.

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