Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX XXXX XXXX : Dispute of Inaccurate Credit Information Dear XXXX XXXX XXXX Experian, I am writing to dispute the following information on my credit report. I have reviewed my credit report and found an error in the account details for " XXXX XXXX. '' The account is listed as " Charged Off '' and " Purchased by another lender, '' with a status update on XX/XX/2023. The account details are as follows : - **Account Name : ** XXXX XXXX - **Account Number : ** [ Partially Redacted ] - **Status : ** Charged Off, Purchased by another lender - **Balance : ** {$0.00} - **Highest Credit Amount : ** {$610.00} I believe this information is inaccurate for the following reasons : 1. The account balance is listed as {$0.00}, which indicates that the debt has been settled or transferred. However, the status still shows " Charged Off, '' which is misleading and negatively impacts my credit score.

2. The account is marked as " Purchased by another lender, '' but there is no information about the new creditor. This lack of information makes it difficult for me to verify the accuracy of the account status.

3. NOT MINE!!!

4.

15 U.S.Code 1681i 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date an which the agency receives the notice of the dispute from the consumer or reseller.

3.

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING.

I also fully intend to pursue litigation in accordance with the FCRA to enforce my rights, and to seek relief and recover all potential monetary damages that I may be entitled to under Section 616 and Section 617, regarding your continued willful and negligent non-compliance.

Despite my previous two ( 2 ) formal written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right. 
The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you can not verify after two written requests, is also evidence of your willful disregard of Federal Law. 
Upon entering litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request. 
The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law, and the Court will order you to delete them.

You say that you have reinvestigated, and /or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is " parroted '' information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. 
This type of behavior and action is clearly in violation of 1681 ( a ) ( 4 ) of the FCRA. I request that Experian / XXXX investigate this matter and update my credit report to reflect the correct status of this account, CLOSED. Was sold to third party without written consent. Please provide me with written confirmation as well as e mail of the results of your investigation.

I have to inform you that I have been a victim of identity theft. As a result, there are fraudulent accounts and information on my credit report that I did not authorize. I am requesting that you block and remove all such fraudulent accounts, information, addresses, and any other related data from my credit reports.

Please take immediate action to block the fraudulent information pursuant to section 605B of the Fair Credit Reporting Act. 

Enclosed are copies of my credit report highlighting the disputed information and any supporting documents that may help with your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX 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