Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Date : XX/XX/year> To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Final Notice Demand for Immediate Deletion Due to False Accord and Satisfaction Charge, FDCPA & FCRA Violations To Whom It May Concern : This letter serves as a final notice regarding the alleged debt related to my former residence at XXXX XXXX XXXX, which your agency is currently reporting to consumer credit bureaus. 

On XX/XX/year>, I submitted a formal dispute and validation request. In response, you were provided a move-out statement that fails to meet the requirements of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In particular, your documentation contains a charge labeled : Accord and Satisfaction This charge is legally invalid, deceptive, and grounds for immediate account deletion and enforcement action. Let me be very clear : Accord and satisfaction is a legal term defined in contract law as a mutual agreement to settle a disputed obligation with new terms. It must meet the following legal criteria : 1. A bona fide dispute about the original debt 2. An offer and acceptance of new terms or settlement 3. A signed agreement or documented intent to settle 4. Performance of the agreed-upon settlement I have never signed, accepted, or agreed to any such resolution. Therefore : No accord ever existed No satisfaction occurred No legal or contractual basis exists to charge me for this term By fabricating this as a line-item financial charge, you are : Falsely representing the legal status of a debt Misleading me and credit bureaus with fabricated settlement language Attempting to collect a non-existent and unauthorized fee - Violations Committed by XXXX XXXX XXXX : FDCPA Violations : 807 ( 2 ) ( A ) : False representation of the character or legal status of a debt 807 ( 10 ) : Use of deceptive means to collect a debt 808 ( 1 ) : Collection of any amount not expressly authorized by the agreement or permitted by law FCRA Violations ( as a furnisher of information ) : 623 ( b ) ( 1 ) ( A ) - ( D ) : Failure to conduct a reasonable investigation after receiving my dispute 623 ( a ) ( 1 ) ( A ) : Knowingly reporting inaccurate or unverifiable information 623 ( a ) ( 3 ) : Continuing to report disputed information without proper notice You previously responded by offering to send documentation if requested again by mail. I already submitted my written dispute on XX/XX/year>. That stall tactic is non-compliant under FDCPA 809 ( b ). 

Additionally, while you addressed charges like carpet replacement, you entirely ignored the accord and satisfaction chargesuggesting it was either : A fabricated entry you could not defend Or an unlawful attempt to apply legal pressure Either scenario represents gross negligence or deliberate misrepresentation.

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