Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. Under Section 15 U.S.C. 1692g of the Fair Credit Debt Collection Practices Act, I have the right to request verification of this debt, as well as to request that any unverifiable information be removed from my credit report. 

The details of the disputed collection account ( s ) are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to the FDCPA, I am requesting that you verify the validity of this debt with the original creditor, or delete the account from my credit report immediately if it can not be validated as accurate under my name. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation.

According to 15 U.S.C. 1692g, I am requesting a debt validation claim. Please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed as to a payment history, also has there been any insurance claim found on this debt, and also want to see a chain of title of this debt according to 15 U.S.C. 1692g Any automated response or E-Oscar verification is unacceptable. I am requesting a reinvestigation and your Method of Verification.

According to 15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

According to 15 U.S.C. 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 U.S.C. 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 U.S.C. 1681 I have the right to privacy.

According to 15 U.S.C. 1681 s-2 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.

( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information relating to a consumer to any reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item ( s ) is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, XXXX v. XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance as stated in section 15 U.S.C. 1681 n and 15 U.S.C. 1681 o Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau

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