Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm contacting you to raise a concern about a potential violation of the Fair Debt Collection Practices Act ( FDCPA ). It appears that there has been a breach in communication guidelines, as mandated by the FDCPA, particularly outlined in 15 U.S. Code 1692c. According to this statute, debt collectors must adhere to specific rules when communicating with consumers. If a consumer formally notifies a debt collector, either in writing or electronically, that they refuse to pay a debt or request that communication cease, the debt collector is obligated to comply. This entails discontinuing all further communication attempts regarding the debt, except in certain circumstances permitted by law. 
These exceptions, as outlined in the FDCPA, include : Informing the consumer that the debt collector will cease further efforts. 
Notifying the consumer that the debt collector or creditor may pursue specific remedies typically invoked in such situations. 
It's crucial to emphasize that, under the FDCPA, requests to cease communication, whether written or electronic, are considered valid upon receipt by the debt collector. 
I kindly ask the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure compliance with FDCPA regulations governing communication practices. Enclosed are relevant documents and details regarding this dispute for your review. 
Additionally, I wish to file a complaint concerning inaccurate reporting by XXXX, one of the major credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ). I've provided documentation highlighting the inaccuracies found on my XXXX credit report dated XX/XX/XXXX. 
Under the FCRA, specifically outlined in 15 USC 1681, I am entitled to a fair and reasonable investigation of disputed items on my credit report. The inaccuracies listed below are adversely affecting my creditworthiness and have significant consequences on my financial opportunities : XXXX Round 5 Dispute Letter I am writing to dispute inaccurate information on my XXXX credit report dated XX/XX/XXXX : XXXX XXXX XXXX Account # XXXX, opened on XX/XX/XXXX with a balance of {$3400.00}. 
XXXX XXXX XXXX XXXX Account # XXXX, opened on XX/XX/XXXX with a balance of {$2200.00}. 
XXXXXXXX XXXX XXXX Account # XXXX, opened on XX/XX/XXXX with a balance of {$16000.00}. 
Collection account from XXXX XXXX XXXX, Account # XXXX, with a balance of {$630.00}, originally from XXXX XXXX XXXX XXXX XXXX  XXXX. 
These inaccuracies are adversely affecting my creditworthiness and my ability to secure loans, employment, and housing. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, I request a fair and prompt investigation of these disputes, and immediate action to rectify the errors on my credit report. 
I am writing to dispute inaccurate information on my Experian credit report dated XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX Account # XXXX, opened on XX/XX/XXXX with a balance of {$16000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX with a balance of {$2200.00}. 
XXXX XXXX XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX with a balance of {$3400.00}. 
Collection account from XXXX XXXX XXXX, Account # XXXX, with a balance of {$630.00}, originally from XXXX XXXX XXXX XXXX XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX XXXX  on XX/XX/XXXX. 
These inaccuracies are adversely affecting my creditworthiness and my ability to secure loans, employment, and housing. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, I request a fair and prompt investigation of these disputes and immediate action to rectify the errors on my credit report. 
XXXX Round 4 Dispute Letter I am disputing inaccurate information on my XXXX credit report dated XX/XX/XXXX : XXXX XXXX Installment account, Account # XXXX, opened on XX/XX/XXXX with a balance of {$0.00}. 
XXXX XXXX  Installment account, Account # XXXX, opened on XX/XX/XXXX with a balance of {$0.00}. 
XXXX XXXX Installment account, Account # XXXX, opened on XX/XX/XXXX with a balance of {$0.00}. 
XXXX XXXX account, Account # XXXX, opened on XX/XX/XXXX with a balance of {$16000.00}. 
XXXX XXXX account, Account # XXXX, opened on XX/XX/XXXX with a balance of {$3400.00}. 
XXXX XXXX account, Account # XXXX, opened on XX/XX/XXXX with a balance of {$2200.00}. 
Collection account from XXXX XXXX, Account # XXXX, with a balance of {$630.00}, originally from XXXX XXXX XXXX XXXX XXXX XXXX 
Collection account from XXXX XXXX, Account # XXXX, with a balance of {$620.00}, originally from XXXX XXXX XXXX XXXX XXXX 
As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, I request a thorough investigation of these disputed items and immediate action to rectify the errors on my credit report. 

Failure to comply with FCRA requirements may result in legal action. 
Thank you for your prompt attention to this matter.

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