Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
Experian has violated me as a consumer and practiced illegal debt collection practices by furnishing inaccurate and incomplete data to my consumer report and has allowed a furnisher to furnish inaccurate incomplete non-validated information to my consumer report. Both Experian and XXXX XXXX XXXX have violated the following consumer laws against me as a consumer : You have failed to comply with 15 U.S. Code 1681 e ( b ) which states you are to follow reasonable procedures to ensure maximum possible accuracy of a consumers report. You have violated laws under the FCRA and FDCPA. Pursuant to 15 U.S. Code 1681 ( n ) you are in willful noncompliance for the following violations : you furnished this inaccurate information to my consumer report onXXXX prior to my debt collection notice received and addressed on XX/XX/2022 you did not follow proper procedures for debt collection You did not investigate this debt before furnishing this information to my consumer report. as a consumer reporting agency you are liable to the law that governs to investigate the items you furnish to my consumer report. there are inaccuracies, improper procedures, and frivolous claims on the alleged account 15 U.S. Code 1681b I did not give you any of the permissible purposes for your agency to furnish this information on my consumer report. I as the consumer never wrote to you in writing, or gave you any of the permissible purposes pursuant to15 U.S. Code 1681b to furnish this information on my consumer report therefore you must delete this item 15 U.S. Code 1681 s-2 ( e ) it is your duty as a furnisher upon notice of inaccurate and incomplete items to delete said item of information or permanently block the reporting of information from my consumer report your agency failed to do so I was never given proper notice of this debt the agency who furnished this item did not follow proper procedures of debt collection 15 U.S. Code 1681e ( b ) states whenever a consumer reporting agency furnished a consumers report you are to follow reasonable procedures to ensure maximum possible accuracy your agency failed to do so 15 U.S. Code 1681i any incomplete and inaccurate item must result in deletion 15 U.S. Code 1681s-2 it is your duty to furnish only accurate and complete information You verified this account without providing me with the method of verification, validation or any information as to how your agency deems this account verified pursuant to 15 U.S. Code 1692 g which is a violation would need all items requested to validate this alleged erroneous debt The notice of debt alleged I owed {$3100.00} your agency has furnished {$3100.00} which I sent letters to both parties concerning their illegal debt practices with request for validation of debts along with cease and desist notices with CERTIFIED MAIL RECEIPTS. XXXX XXXX XXXX received the letter XX/XX/2022 tracking number XXXX Experian received their letter as well tracking number XXXX and neither party has responded within the 30 day reinvestigation period which requires a deletion pursuant to U.S. Code 1681i

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