Consumer complaint received 2017-05-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a request for a reinvestegation all of these companies failed to provide PROOF OF CLAIM and proper validation and verification as specified in FDCP A Act. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in   writing within the thirty-day period described in subsecti ion ( a ) th at the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.   This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows these companies or any third party law firms and collection agencies are in accordance with t he O.R.C. ( OHIO REVISED CODE ) 1319.12 Taking assignment of debt : Section ( C ) No  collection agency shall commence   litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.
( 2 ) The collecti  on agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.    ( 3 ) The ass ignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agenc y may consol idate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.   (  4 ) Upon t he effective date of the assignment to the collection agency, the creditors account maintained by the collection agency in connection with the assigned account, bill, or other evidence of indebtedness was canceled.   ( D ) A collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness in a court of competent jurisdiction locate d in the county in which the debtor resides, or in the case of co-debtors, a county in which at least one of the co-debtors resides.     ( E ) No co llection agency shall commence any litigation authorized by this section unless the agency appears by an attorney admitted to the practice of law in this state.   ( F ) This section does not affect the powers and duties of any person described in division  ( A ) ( 2 ) of this section.      ( G ) Nothing in this section relieves a collection agency from complying with the Fair Debt Collection Practices Act, 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section 1317.031 of the Revised Code and 16 C.F.R. 433, as amended.
( H ) For purposes of filing an action, a collection agency that has taken an assignment or assignments pursuant to this section may  consolidate the assigned accounts, bills, or other evidences of indebtedness of one or more creditors against an individual debtor or co-debtors. Each separate assigned account, bill, or evidence of indebtedness must be separately identified and pled in any consolidated action authorized by this section. If a debtor or co-debtor raises a good faith dispute concerning any account, bill, or other evidence of indebtedness, the court shall separate each disputed account, bill, or other evidence of indebtedness from the action and hear the disputed account, bill, or other evidence of indebtedness on its own merits in a separate action. The court shall charge the filing fee of the separate action to the losing party.        1. A CCOUNT NAME :   XXXX   XXXX    ACC BAL  : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate.     2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} This account was charged off listed with wrong balance please delete error 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} no proof of contract collection transactions error please delete.
4. ACCOUNT NAME :   XXXX   XXXX   XXXX    ACC BAL : {$73.00} I have never done business with this company error please delete.

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