Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX- {$7400.00} unauthorized collection activity, prohibited from reporting judgments to credit bureaus or lying about them being a collection agency when in fact they are not. 
The only means they can collect is through Bank XXXX, drilling safety deposit boxes, and wage garnishments. Requesting a Debt Verification Letter with all original documents pertaining to unlawful detainer case number, XXXX eviction Judgment/Public Record. to verify they are not authorized to collect, or report to major bureaus, unless it is a Non-Judgement. Original Judgment Amounts. All paperwork. Debt Verification Letter requesting your law firms areas of expertise, on what their law firm can and can not do as in collection on Judgments. 

What constitutes a false and misleading debt collection practice? 

Debt collectors can not make false or misleading statements. For example, they can not lie about the debt they are collecting or the fact that they are trying to collect debt, and they can not use words or symbols that falsely make their letters to you seem like they're from an attorney, court, or government agency. 

Request Debt Verification Of Each, and every time account was deleted from credit bureaus, and each time they re -inserted back onto to credit reports without advance notice. 


XXXX XXXX XXXX - {$820.00} Debt Verification Letter ( attached ) demanding a complete payment history on the account, from the original creditor XXXX XXXX XXXX XXXX XXXX XXXX A break down of all surcharges from the beginning of use of credit card, through our the use, and at the end when I closed the account. Highlight ALL Surcharges. And total them up. Requesting a record of each time they re-inserted after account was deleted from my credit report. 

XXXX XXXX XXXX - Debt Verification Letter ( attached ) requesting a complete breakdown of explanation of charges, to what and for what, and the reason of the charge, then I demand XXXX XXXX XXXX to provide history of payments made to the original creditor XXXX, along with verification they recieved two XXXX worth ( XXXX ), and wrote of ( All ) of the balance, verification they recieved {$1000.00} one payment of {$920.00}, and a payment of {$110.00} that had paid off the last billing cycle prior to me closing the account. request verification that account was charged -off, and not written -Off Charge-off/write-off differences : A charge-off occurs when you owe a creditor money and it's 180 days past due. The status of the account is changed to " charge-off '' which could show on your credit report. A write-off on the other hand is when a creditor forgives a portion ( or all ) of the balance owed and won't show on your report. 

Requesting a complete chronological Record of them re-inserting the item back on my credit report without any advanced notice, after I had the item deleted. Requesting records dating all the way back to when XXXX was reporting. XXXX. 


XXXX XXXX XXXX XXXX account- Requesting Debt Verification of complete history of payments made on the account, to include all delinquencies from 2008 to present, I need a breakdown of every year, all payments made, and missed. With dates, a complete chronological Record nothing tampered with From XXXX to present. Demanding that this department explains what arrears is, and that it is a tax lien, verifying all I.R.S. intercepts, and garnishments to pay this account due to lien status. Requesting a complete chronological Record from when they received responses front he credit bureaus stating they have been removed from my credit report, to each time they hsve re -inserted the debt after being removed. Dates/times. 

1 ) FDCPA Violations/ and FCRA Violations Category : Credit Fraud RE-INSERTION VIOLATIONS : WHEN A CREDITOR, A DEBT COLLECTOR OR A CREDIT BUREAU RE-INSERTS FALSE OR DEROGATORY INFORMATION ON YOUR CREDIT REPORT. 

credit-damage caused in which the consumer disputed a delinquent account appearing on their credit profile, the derogatory item suddenly disappeared for some months, but then started reappearing on their credit report once again without any advance notice. This is known as a re-insertion violation of the federal Fair Credit Reporting Act ( FCRA ). 

2 ) False or Misleading Representations 15 U.S.C. 1692e Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. Falsely represent or imply that he or she is an attorney or that communications are from an attorney.

3 ) Section 609 of the FCRA gives consumers the right to request all information in their credit files and the source of that information. Consumers also have the right to know any prospective employer who has accessed their credit report within the last two years.

4 ) FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years.

5 ) XXXX. False or misleading representations ... A debt collector may not use any false, deceptive, or misleading representation or means in connection 6 ) 15 U.S. Code 1692 - Congressional findings and declaration of purpose 15 U.S. Code 1692 - Congressional findings and declaration of purpose U.S. Code Notes prev | next ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

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 non-monetary relief