Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After checking all of my credit reports I've noticed some items were removed from my XXXX credit report due to the items can not be validated and there was also no proper verification being done by the credit agencies, but the items still have not been removed from the other following credit agencies XXXX and Experian. 
The following accounts as follow : XXXX XXXX, Account # : XXXX XXXX XXXX, Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX, Account # : XXXX XXXX XXXX, Account # : XXXX XXXX/ XXXX  Account # : XXXX I am writing to dispute the validity of the debt you are attempting to collect, as referenced above. I received your letter about the account being verified regarding this matter, however by law the credit agencies are required to follow reasonable procedures to assure maximum possible accuracy of consumer reports and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. After careful review of my records and the information provided, I have identified several discrepancies and inaccuracies that need to be addressed.

Firstly, I dispute the amount of the alleged debt. There seems to be a discrepancy between the amount you claim I owe and any records I have pertaining to this account. I request a detailed breakdown of the debt, including the original creditor 's name, the original account number, dates of transactions, and a comprehensive breakdown of any fees or charges that have accrued.

Secondly, I have not received any validation or verification of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide me with proper validation of the debt, including copies of the original contract or agreement, any statements or invoices related to the debt, and proof of your authority to collect this debt. By law as it states in 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; if the completeness or accuracy of any item of information contained in a consumers 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 ( 5 ), BEFORE the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. This means the items are required by law to be removed before the investigation is even completed which was never due by law.

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