Consumer complaint received 2018-07-03
Company: Experian Information Solutions Inc.
State: NY
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:
Experian verifying deficiency not owed to XXXX XXXX XXXX. FTC complaint has been filed against XXXX and Experian for falsely reporting a deficiency I do not owe. FTC complaint number is XXXX. I also wrote my state attorney General concerning this matter and I await the outcome from that as well as the FTC complaint. My last letter to Experian was ignored and nothing I asked for was provided or addressed. Experian said they verified the account is mine when I did not ask if it was mine or not. I am disputing their right to report that I have this balance with XXXX when by law I do not owe XXXX. By Law, this debt is considered Null and void and should be removed immediately. Experian should not be aiding XXXX in breaking the laws of the State of New York and violating my rights as a consumer. Here is the complaint filed against XXXX and Experian with the FTC. Complaint sent to FTC -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To : Federal Trade Commission cc : New York State Attorney General On XX/XX/2018 I mailed a letter to XXXX   XXXX XXXX inquiring about a deficiency they are reporting to the three major credit Bureaus in the amount of {$6700.00}. Under the laws of the State of New York UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to XXXX   XXXX Responded to me by sending a copy of the original contract which had my address at the time of this vehicle purchase and also the 3 notices they were supposed to send by law in a PROPER AND TIMELY MANNER.. All of these notices have a different address from the address on the original contract. An address at which I never resided, neither did I provide this address to XXXX  XXXX ( not sure how they came by this address ) the mail they sent to the address I assume must have been returned to them. ( XXXX XXXX ) This address is XXXX XXXX XXXX XXXX, NY XXXX Clearly, these notices were not properly and timely given, and all of the allowable redemption and cure time limits were not adhered to. I sent another letter to XXXX XXXX onXX/XX/XXXX certified mail return receipt. A proper notice with proof of delivery. I got the stamped green card back in the mail showing they received my second letter on XX/XX/XXXX. USPS tracking ( XXXX ) In this letter I pointed out to XXXX XXXX that the address to which they allegedly sent this notice is not mine and it doesnt match the address on the contract thus the claim of owed deficiency is invalid under the law. XXXX XXXX has not responded to my second letter. Please remove this deficiency from my credit reports because under the law I do not owe it since I was not notified properly and timely notified by XXXX XXXX I have never lived at that particular address and have never asked for any communication to be sent to me via mail to that address. Due to the fact that XXXX XXXX XXXX failed to send the legal notices to my proper address and in a timely manner, under the laws of the State of New York UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed The notices were not properly and timely served because there is no way I would have ever seen any notices sent to an address I do not nor have I ever resided. The alleged claim of a deficiency is to be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests within 30 days I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 
--

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