Consumer complaint received 2024-05-16 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: GA

Complaint narrative:
I have on multiple occasions disputed the collections account on my consumer report in regards to XXXX XXXX XXXX a debt collector who bought a debt from XXXX XXXX I disputed XXXX XXXX and received a response from XXXX XXXX stating that they could not verify the account thus XXXX XXXX was deleted from my consumer report however XXXX XXXX XXXX who is a debt collection agency purchased the unverifiable debt from XXXX XXXX and XXXX XXXX XXXX is still reporting an inaccurate account to my consumer report. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EXPERIAN and XXXX are not maintaining reasonable procedures. 15 U.S. Code 1681- Congressional findings and statement of purpose goes on to state a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

As stated before XXXX XXXX who was the orginal creditor has been deleted from my consumer report and they even responded to my CFPB complaint stating that the account was unverified and that they would no longer report the account to my consumer report. I have provided the letter from XXXX XXXX Compliance Manager in the attachments below Also XXXX XXXX XXXX in an attempt to sabotage my consumer report and hinder my right to credit is reporting to the credit agencies that I have been late on payments since XXXX of 2023 payments that I do not owe them due to the fact I have no contracts with XXXX XXXX XXXX  nor with XXXX XXXX who XXXX XXXX XXXX allegedly purchased the debt from. This places civil liability on XXXX XXXX XXXX due to the fact they are attempting to damage my general mode of living and my right to credit in order to purchase household goods for me and my family. 

I demand the account in regards to XXXX XXXX XXXX be removed from my consumer report.

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