Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to file a formal complaint against XXXX, Experian, and XXXX regarding persistent violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite numerous attempts to rectify these issues, my rights as a consumer have been blatantly disregarded, and the agencies have allowed XXXX to continue harassing me. 

In the past year, I have submitted disputes XXXX XXXX XXXX XXXX XXXX  to XXXX, Experian, and XXXX ( sent by certified mail ), seeking documentation of the original contracts between XXXX and the original creditor to establish legal ownership of the debts. Despite FDCPA regulations mandating disclosure of such information upon dispute, I have not received any documentation from either the consumer reporting agencies or XXXX. ( Certified Mail receipts have been attached ) Under the provisions of the FDCPA ( 12 CFR 1006.30 ), a debt collector must not furnish information about a debt to a consumer reporting agency until they have spoken to the consumer or placed a letter in the mail, waiting a reasonable period for notice of undeliverability. I have not received the original contracts confirming XXXX XXXX legal ownership of the debts. as requested, and all three reporting agencies have verified the information without providing any supporting documentation. 

Furthermore, the FDCPA, under 15 USC 1692d ( 2 ), explicitly states that " A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. '' Moreover, I have opened multiple complaints with the CFPB, dated XXXX XXXX XXXX XXXX XXXX, seeking resolution and proof of investigation. Despite these complaints, I have not received any evidence confirming XXXX XXXX legal ownership of the debts. 

Throughout XXXX XXXX XXXX XXXX  has incessantly called me at inconvenient times, causing disruption during work, meditation, meetings, and even at church. Despite disputing the debts approximately five times by XXXX XXXX  I have not received the requested original contracts confirming XXXX XXXX legal ownership of the debts. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  despite my request to cease phone communications, engaged in a conversation that felt like harassment. She failed to provide a clear answer regarding XXXX 's status as a debt collector or buyer, talked over me, and ignored my repeated requests for the original contracts. XXXX XXXX response to my subsequent complaint on XX/XX/XXXX, was dismissive and included demands for payment formulated in violation of FDCPA requirements ( 15 USC 1692c ( a ), 1692d ( 2 ), 1692g ( a ), 1692g ( a ) ( 1 ), 1692g ( b ) ). 

It's crucial to note that I filed a dispute with the CFPB concerning the phone call with XXXX XXXX. IncrediblyXXXX XXXX in their response, claimed that the incident never happened despite having a full recording of the call. 

I am entitled, under 15 USC 1681g ( a ), to clear and accurate disclosure of all information in my consumer file at the time of the request. I have the right to obtain proof of the investigation into my disputes, which has been consistently denied. 

I have attached my cell phone call logs, copies of the demands for payment, and proof of dispute to illustrate the ongoing harassment and negligence by XXXX, Experian, and XXXX. These injustices by XXXX have significantly impacted my consumer report, my physical health, and has caused immense distress. 

I implore the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that the consumer reporting agencies rectify these violations, provide the requested documentation, and cease the harassment perpetuated by XXXX. The consumer reporting agencies have neglected to handle this issue and in turn allowed XXXX to constantly harass me, over and over again.

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