Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm writing this letter, accompanied with 13 pages of documents and the notes on them, that will show and will prove XXXX XXXX XXXX, having an address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WA XXXX, has violated my consumer rights with total disregard of FCRA laws that were made to protect my rights and protect my good credit and XXXX scores. Reporting this collection before I had any knowledge, before given the right of disputing it and before my right to request and receive validation of this collection and most of all the unethical practice of their knowledge from the start that this collection had already been reported and the outright disrespect of being led and decieved by XXXX XXXX  along the way are all clear violations of my rights and violation of FCRA laws The following written statements will give you a time frame, the actions I took to dispute, request, and the time and work I've done to prove the invalidity and incorrect information on this collection, as well as damaging my credit and XXXX scores leading me to withdrawal an offer on a home being financed with my VA loan because of the huge drop in my scores. Upon receiving information and a phone call from a representative, XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX at XXXX XXXX lasting 51 min and 24 seconds from a phone number having the same area code of my residence, I advised her that I will be getting documents together to prove why I'm disputing it, and will be writing a letter requesting validation and proof that this is my debt along with proof that the amount of the collection is correct and im requesting proof in the form of docs/ receipts and statements to prove the amount. I also sent docs sent to me by XXXX XXXX  that required me to fill out and check my options in regards of dispute and request. Docs will show that I was given until XX/XX/XXXX to do so. On XX/XX/XXXX, 5 days after our conversation and being told more than once that this collection is in a " hold status '' and the promise that no info has been sent to the bureaus I sent a certified package to XXXX XXXX. On XX/XX/XXXX I phoned XXXX XXXX advising her that it was signed for and was in house. She advised me that the next step would be XXXX XXXX 'S Quality Control Dep't requesting XXXX XXXX  to prove the debt by supplying docs to prove against my docs in regards to the amount of the collection which at that time show and validates this collection was now being disputed by me for incorrect info and incorrect amount on the collection and by law requires all collection to cease and by law can't be reported while being disputed. This also requires XXXX XXXX  by law to provide me with a proof of debt verification letter and a response and/or decision on my dispute of incorrect info and amount of this collection 30 days after XXXX XXXX receiving the certified letter from me on XX/XX/XXXX. From that conversation on XX/XX/XXXX I haven't had any contact via phone or mail and as of today XX/XX/XXXX I'm stil waiting for everything that she said would be provided to me. On XX/XX/XXXX I checked my Experian and XXXX XXXX apps and was devastated to see my XXXX and Credit scores at the lowest ever. XXXX being 82 points down. I then phoned all 3 credit bureaus and verified the date of XX/XX/XXXX being the date that XXXX XXXX  sent the collection and the date of XX/XX/XXXX it was added to my report and ruined my credit standing. This is a clear violation against my rights and the laws by not receiving proof of the debt and not receiving any response concerning info on the findings and/or decisions regarding my dispute. I phoned XXXX XXXX on XX/XX/XXXX and with her having no knowledge of the info i found out, I asked her the status on everything,. To my disbelief she stated that 2 days ago on XX/XX/XXXX Quality Control begun the process of getting all info from XXXX XXXX, 28 days after receiving my certified letter. She then advised me that my debt verification letter was being sent out by XX/XX/XXXX, the XXXX day after my certified letter and after my question of the status of wether it has been reported to the 3 bureaus, she stated it was still " on hold '' so I'm still ok. I then told her what I knew and asked to speak to a manager now. After a few minutes of denial she put me on hold for 23 min and 24 seconds until I gave up and hung up. I called back 4 times asking for XXXX XXXX or a manager only to be hung up on. In closing I want to once again state that I've completed and did everything i could do to remedy this and now have no way other than taking this action and if not corrected i will seek legal action with the help of the office of Kentucky Attorney General and Legal Aid and seek a financial judgement for this collection against my credit. Please take note that in the remark section under XXXX XXXX collection the statement by XXXX XXXX stating " '' '' '' Account information disputed by consumer, meets FCRA requirements '' '' '' '' a clear admission from XXXX XXXX  that I've disputed this collection and their knowledge of the fact of my dispute. And trying to protect themselves and their actions by adding meets FCRA requirements which hopefully you realize by my letter and proof of incorrect amounts on collection and as well as how it was reported and seeing that i had no chance from the very beginning and actually having every and all my rights taken away from the start. I'm so angry and stressed about this and knowing what I know mow and the way this was played out by XXXX XXXX in reporting before receiving my dispute and that the date of XX/XX/XXXX that was sent to me for my right to dispute clearly stating that if they received a call, a written statement that disputes all or part of this debt by XX/XX/XXXX that they must stop collection on any amount I'm disputing until they send me info showing proof of debt. I sent dispute and evidence in the form of docs and statements and all was received XX/XX/XXXX. They sent to bureaus XX/XX/XXXX. I was given no chance and no opportunity in this unethical reporting. All rights have been violated and this collection was allowed to be put on credit report with knowledge of dispute. Just seems wrong in every way and then finding the statement on my credit report from XXXX XXXX  that states " Account information disputed by consumer, meets FCRA requirements. '' This alone proves that this collection is being disputed and must be removed from my credit report or investigated by the credit bureau. This collection contains so many violations of my rights and FCRA requirements that have not been met. I need and deserve to have this collection removed immediately and my FICO and credit score to be adjusted from fair to good immediately. Please look over docs provided and see proof that electric bill isn't mine, therefore making this collection amount incorrect as well as my proof given to me by email on XXXX XXXX portal the landlords pro rated rate up until XXXX XXXX when apartment was rented by new tenant. Its illegal in Kentucky to collect rent after unit has been re rented. Double Dipping is illegal. And the charge for a full month that he's seeking is incorrect and comes after the statement given to me and therefore is my proof of invalid wrong and disputed amount and therefore allows his charge invalid and incorrect and thsts why i know these amounts on all docs I've sent proves the correct amount and proves the validity of my dispute. I'm asking you to please give me my right to dispute and have this collection removed from my credit immediately and begin the good standing I had before all of this and most importantly please see where this has cost me a home, my credit rating and emotional stress. Please remove this collection immediately and please contact me if I can provide additional information. Thank you for your time and hopefully your willingness in the removal of this collection on my credit.

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