Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX XXXX received an account from XXXX XXXX XXXX  for a collection account in my name with a balance of {$7400.00}. Since this date, I have tried numerous times to validate the debt. This includes, but not limited to : 1. Sent requests directly to the collection agency for debt verification, debt validation, and legal right to collect the debt ( including State License to act as a debt collector ) 2. Sent requests to the credit bureaus asking for the same aforementioned information. XXXX has failed to provide documentation under the FCRA, so much so that I filed a complaint against XXXX  to the CFPB. On XX/XX/XXXX I submitted complaint ID : XXXX to the CFPB stating the issue at hand with the debt verification, methods of validation, and legal right to collect on the debt. They responded with : " XXXX received the consumer 's account from our client XXXX XXXX Apartments on XX/XX/XXXX. The consumer owes a balance of {$7400.00}. The consumer 's dispute has been noted and the account has been updated. XXXX will mail proof of the debt to the consumer on today XX/XX/XXXX. I apologize for any inconvenience this may have caused. The consumer may provide XXXX with any correspondence that proves this debt to be invalid by email to XXXX or fax XXXX. The consumer may contact XXXX @ XXXX to pay the balance in full over the phone with a credit or debit card, or receive additional payment options. If the consumer has any further questions they may contact me, XXXX XXXX, directly @ XXXX ext XXXX. Thank You '' Upon further review recently after submitting another complaint to the credit bureaus, some new information has come to light in regards to XXXX. On XX/XX/XXXX the XXXX  XXXX XXXX for the State of Idaho received a complaint from a resident about illegal debt collection practices from XXXX. The XXXX  XXXX XXXX issue a lawsuit against XXXX ( XXXX : XXXX ) for acting as a debt collector without the proper state licensing. An active Cease and Desist was issued and served on XX/XX/XXXX advising XXXX to cease all debt collection actions until proper state licensing can be obtained. XXXX was actively purchasing debts in the State of Idaho before they received their State Licensing. This is also true in the State of Connecticut. As mentioned previously, XXXX first reported to the credit agencies on XX/XX/XXXX, but did not obtain State licensing until XX/XX/XXXX. XXXX has failed to uphold the FCRA by : XXXX. Not obtaining licensing when required 2. Harassing phone calls XXXX. Did not send proof of debt upon purchase of debt XXXX. Did not provide verification of debt, validation of debt XXXX. Reporting inaccurate information All these correspondences have been documented with receipts, times, dates and outcomes. These complaints come with notice of intent to sue for illegal and malicious debt collection practices if the desired resolution is not met. 

Likewise, Experian has failed to uphold its FCRA guidelines and regulatory standards in accordance with the law by not properly verifying and validating the NUMEROUS complaints I have submitted regarding this account to them, and are equally as liable for violating the FCRA and as such will be named within this lawsuit if the desired outcome is not met.

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