Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Report Number : [ Report Number : XXXX ] Date : XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request to Remove Inaccurate Information - XXXX Account Number XXXX Dear Experian : I am writing to dispute the accuracy of the information appearing on my credit report related to the XXXX account, partial account number XXXX, which appears on my report with an original balance of {$3500.00} and is currently listed as " Collection/Charge-Off. '' Reason for Dispute I previously submitted a formal request for investigation to Experian and the collection agency in charge of this account, XXXX XXXX, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my requests, no proper investigation was conducted and no detailed description of the debt was provided, as required by law. The response I received from Experian simply stated that the account would not be modified, without providing a detailed explanation or basis for the purported verification performed.

Legal Basis Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable investigation whenever a consumer disputes the accuracy of an item on their credit report. Failure to provide a proper investigation and detailed description is a direct violation of the FCRA. 

Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S.C. 1692g ( b ), the collection agency, in this case XXXX XXXX, is required to provide all documentation and evidence supporting the validity of the debt. Due to the lack of clear and adequate validation, the continuation of this information on my report is unlawful. 

Applicable Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that credit bureaus must conduct reasonable inquiries, including providing details about how the disputed information was validated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case determined that when a credit bureau fails to conduct an adequate check, it must remove the information from the credit report. 
Account Report Inconsistencies Account XXXX XXXX shows multiple irregularities and conflicting information : Current balance : {$0.00} while also reflecting a Loan Paid Off status. 
Last payment date : XX/XX/XXXX, while the account is listed with a Closed status on XX/XX/XXXX. 
The account description mentions that it was purchased by another creditor but does not provide any supporting documentation to justify the current status. 
Action Request I demand the immediate removal of this account from my credit report because : Experian has failed to fulfill its duty to conduct a thorough investigation and has failed to provide the relevant information. 
The collection agency has failed to properly validate the debt or comply with its obligations under the FDCPA. 
The information is misleading and contradicts the reported status of the account. 
If Experian does not proceed to remove this information, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the relevant authorities to enforce my rights under the FCRA and FDCPA.

Please notify me in writing of the outcome of this dispute and attach any additional documentation justifying the continued presence of this item on my credit report. I appreciate your prompt attention and look forward to your response within the statutory 30-day period from receipt of this letter. 

Sincerely, 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