Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DEPT OF EDUCATION/XXXX Account number : XXXX Account type : Education Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status updated : XX/XX/XXXX Original Balance : {$5200.00} Reporting 90- days late XX/XX/XXXX - UNVERIFIABLE, INACCURATE, I WAS NEVER LATE THIS ACCOUNT IS REPORTING FALSE INFORMATION IMMEDIATELY. 
Inaccuracy and Unverifiability of Information Under 15 U.S.C. 1681i, if a consumer disputes the accuracy of information on their credit report, the credit reporting agency must conduct a reasonable reinvestigation. If the information is found to be inaccurate or unverifiable, it must be deleted or corrected. This provision also includes the requirement that the consumer reporting agency must promptly notify the furnisher of the disputed information. Since these accounts are under dispute and found to be inaccurate, they should be removed from my report. 
Failure to Cease Communication According to 15 U.S.C. 1692c ( c ), once a consumer requests in writing that a debt collector cease communication, the collector is prohibited from further contact regarding the debt. This request should be honored immediately upon receipt.

Given these violations, I request that you : Cease Communication : Immediately stop all communication with me regarding these accounts, in compliance with 15 U.S.C. 1692c ( c ).

Remove Inaccurate Information : Remove all inaccurate and unverifiable information related to these accounts from my credit report, in accordance with 15 U.S.C. 1681i and 15 U.S.C. 1681e. 
Provide Confirmation : Provide written confirmation that the information has been deleted and that no further communication will occur. 



DEPT OF EDUCATION/XXXX Account number : XXXX Account type : Education Date opened : XX/XX/XXXX Status : Paid, Closed. 
Status updated : XX/XX/XXXX Original balance {$20000.00} - Inaccuracy and Unverifiability of Information Under 15 U.S.C. 1681i, if a consumer disputes the accuracy of information on their credit report, the credit reporting agency must conduct a reasonable reinvestigation. If the information is found to be inaccurate or unverifiable, it must be deleted or corrected. This provision also includes the requirement that the consumer reporting agency must promptly notify the furnisher of the disputed information. Since these accounts are under dispute and found to be inaccurate, they should be removed from my report. 
Failure to Cease Communication According to 15 U.S.C. 1692c ( c ), once a consumer requests in writing that a debt collector cease communication, the collector is prohibited from further contact regarding the debt. This request should be honored immediately upon receipt.

Given these violations, I request that you Cease Communication : Immediately stop all communication with me regarding these accounts, in compliance with 15 U.S.C. 1692c ( c ).

Remove Inaccurate Information : Remove all inaccurate and unverifiable information related to late payments These accounts from my credit report, per 15 U.S.C. 1681i and 15 U.S.C. 1681e. 
Provide Confirmation : Provide written confirmation that the 90-day late information has been deleted and that no further communication will occur.

1. The method used to verify the accuracy of the information of the 90-day late payment.

2. The name and contact information of the person or entity that provided the information.

3. Any documentation or evidence used to verify the accuracy of the information of the late payment.

1. Fair Credit Reporting Act ( FCRA ) Purpose : To ensure the accuracy, fairness, and privacy of consumer information contained in the files of credit reporting agencies. 
Key Provisions : Consumers have the right to access their credit reports, dispute inaccurate information, and have erroneous data corrected. 

2. Truth in Lending Act ( TILA ) Purpose : To promote the informed use of consumer credit by requiring disclosures about its terms and cost.

Key Provisions : Lenders must provide clear and conspicuous disclosure of key terms of the credit arrangement and all costs.

3. Fair Debt Collection Practices Act ( FDCPA ) Purpose : To eliminate abusive practices in the collection of consumer debts.

Key Provisions : Debt collectors must not use deceptive, unfair, or abusive practices and must provide validation of the debt upon request.

4. Equal Credit Opportunity Act ( ECOA ) Purpose : To prevent discrimination in credit transactions.

Key Provisions : Creditors can not discrimin
ate against applicants based on race, color, religion, national origin, sex, marital status, age, or because they receive public assistance.

5. Fair Credit Billing Act ( FCBA ) Purpose : To protect consumers from unfair billing practices and to provide a mechanism for addressing billing errors.

Key Provisions : Consumers can dispute billing errors on their credit card accounts and withhold payment on damaged goods or services purchased with a credit card. 
Legal Violations : The issues outlined above involve several violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 611 ( a ) ( 5 ) ( B ) ( i ) : Certification of Accuracy of Information.

15 U.S.C. 1681e ( b ) : Compliance Procedures.

15 U.S.C. 1681i ( 5 ) : Reinvestigations of Disputed Information.

15 U.S.C. 1681b ( 2 ) and 15 U.S.C. 1681s-2 ( F ) ( I ) : Unauthorized Reporting.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( 4 ) ( 5 ) ( I ) ( ii ) : Dispute Resolution.

15 U.S.C. 1681n : Civil Liability for Willful Noncompliance.

15 U.S.C. 1681 Section 602 : Right to Privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2 : Unauthorized Furnishing of Accounts.

15 U.S.C. 1666B ( a ) section ( b ) and 15 U.S.C. 1637a ( a ) : Incorrect Treatment of Late Payments.

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