Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : XXXXXXXX XXXX XXXX # XXXX # XXXX Violated 1006 ( Regulation F ) FDCPA Debt Collection Rule This is not the time to Reinvestigate or Update XXXX XXXX XXXX  your company received my Validation notice. I challenged the validity of both accounts mentioned that's currently being reported on consumer credit report. 

Durning that time, I noticed as a result of challenging both accounts the completion of XXXX investigation, they deleted the accounts based on the lack of ability to properly verify all reported information being accurate. The deleted accounts are listed below ; # XXXX ( open account ) XX/XX/XXXX # XXXX ( Closed account ) XX/XX/XXXX I attached the law below according to the FDCPA ; 12 CFR 1006.38- Notice for validation of debts.

( d ) Dispute ; ( 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 and, any portion of debt until the debt collector ; ( i ) Sends a copy either of verification of the debt or of a judgment to the consumer in writing. 

They didnt do that. 


XXXX XXXX had violated the FDCPA Rule 12 CFR 1006.38 ( d ) ( 2 ) ( i ) requirements by failing to send me the required Validation information and contents. 

It is my understanding the FDCPA states the Creditor and, Furnisher of information must report the same information to all credit reporting agencies. 

XX/XX/XXXX, XXXX XXXXXXXX XXXX  was in receipt of my default notice based on the lack of ability to properly Validate all reported information being accurate during the required validation period. 

As the accounts remained invalidated, they continued to violated the FDCPA requirements 12 CFR 1006.38 ( d ) ( 2 ) ( Regulations F ) with the continuation of their reporting.

In addition to the listed violation ; YOU violated the FDCPA Rule 1006.18 ( C ) ( 2 ) with your deceptive reporting by failing to communicate with the CRAs that YOU received my dispute notice challenging the validity of the reported accounts. I attached the law below ; 1006.18 False, deceptive, ( c ) False, deceptive, or misleading collection means. A debt collector must n
ot : ( 2 ) Communicate the failure to communicate that a disputed debt is disputed YOUR reporting has cause damaged to my credit score, credit worthiness, credit capacity, defamation of character and general mood of living and ; YOU have caused me Consumer Harm and, the duration of time over which the violations occurred. 

However, I disputed the accounts with XXXX XXXX XXXX XXXX XXXX I received copies of a bill, with a mailing date XX/XX/XXXX. I will include the dated envelope and notice with my complaint. 

This clearly violates FDCPA RULE I demand both accounts deleted immediately from my consumer credit file with the CRAs you have continued to report them to.

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