Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX and I'm am logging a compliant for the credit bureaus and the collection agency of XXXX XXXX XXXX for violations of the FDCRA & FCRA and a violation of my rights under these acts as a consumer. On XX/XX/2022. I send a Certified letter ( Letter included ) ( Tracking information - XXXX ) for the account ( # XXXX ) under my name with this collection agency. According to the FDCRA & FCRA - 15 U.S.C - 1692g - The debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, the following information must be sent to the consumer in written form : 1. the amount of the debt - 2. The name of the creditor to whom the debt is owed - 3. Notice that the consumer has 30 days to dispute the debt before it is assumed to be vailed - 4. Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgement ; 5. Notice that if, within the 30 day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. Today is the XXXX of XXXX, 2022 and the debt collection agency has not sent me any of this information. They are in violation of the 15 U.S C - 1692g. The letter that I sent to them outlined the items that I need to verify if they have the right person. I had also asked for an original contract that had my signature on it, I had also asked for credit insurance claims on the alleged debt, Name and Address of the alleged debt, date the alleged debt became payable, etc. Since, I have heard anything back from this company- not written notice, no mail, no nothing, they have violate the statue and they have violated my rights by keep this account active on my credit file without any verification. I am asking that this account be removed from my credit file permanently for the violation of 15 U.S C 1692g. Also, this collection agency and credit bureaus have not done the proper investigation that is required under the FCRA 1681. section 2 ( b ) - It required the furnisher of this information to examine sufficient evidence to determine whether the disputed information is accurate. Since, I have not gotten a notice of the disputed debt alleged in my debt validation letter, the furnisher has not conducted a proper investigation and they are also in violation of my right and in violation of FCRA 1681-2 section 2 ( b ) as well.

The FTC & CFPB filed and Amicus Brief on the XXXX of XXXX for defending Consumers ability to Dispute inaccurate information - Amongst other things, the FTC & CFPB argues in their brief that - " Under the FCRA, consumers are entitled to be notified about the outcome of their disputes and must be given an opportunity to address any problems with their dispute claims. XXXX XXXX - Director of the FTC 's Bureau of Consumer Protection states that '' The law gives the consumer a right dispute inaccurate information and have their claim investigated '' And this is what I am arguing. This debt collection agency and the bureaus didn't conduct an investigation of my disputes within the debt validation letter and also failed to notify me within the 30 day time frame outlined in the 15 U.S. Code 1692g as well. I want my rights to be protected. Thank you- XXXX XXXX XXXX

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