Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: WA
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:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX. XXXX XXXX Original creditor : XXXX  Account number : XXXX XXXX. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX Account number : XXXX XXXX. XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX 15 U.S.C 1681 SECTION 602 A states that I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written instructions.

The listed collection accounts have also violated my federally protected consumer rights under 1006.14 Harassing, oppressive, or abusive conduct which states a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

The listed collection accounts have also violated my federally protected consumer rights under 1006.10 Acquisition of location information.

The listed collection accounts have also violated my federally protected consumer rights under 1006.38 Disputes and requests for original-creditor information, sections ( b ) Overshadowing of rights to dispute or request original-creditor information. ( 1 ) Prohibition. During the validation period, a debt collector must not engage in any collection activities or communications that overshadow or are inconsistent with the disclosure of the consumers rights to dispute the debt and to request the name and address of the original creditor. ( d ) Disputes ( 2 ) Response to disputes. Upon receipt of a dispute submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt, or any disputed portion of the debt, until the debt collector : ( i ) Sends a copy either of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; or I demanded that the following were provided through certified mail, however, none of the listed accounts followed through with in the 30 day required time frame. I even told them their claim " can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt CollectionPractices Act. Please allow 30 days for processing after I receive this information back. '' Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor.

Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Wet signature of original contract to debt The listed collection accounts have also violated my federally protected consumer rights under the fair credit reporting act, section 611 ( 5 ) ( A ) of the FCRA - that requires a prompt deletion of all information that is inaccurate, incomplete, or which can not be verified.

I haven't given written, verbal nor electronic permission for any of these debt collectors to publish my personal nor private information in any capacity, including the 3 credit bureau 's.

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