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:
I want to submit a compliant because my rights as a consumer have been violated by the debt collection agency of XXXX XXXX and the inaccurate information on all of my credit files. The account number is # XXXX. On XX/XX/2022 - I sent a debt validation letter ( Letter included ) via certified mail ( Tracking information - # XXXX ) requesting certain information that I am entitled to under the 15 U.S. C 1692g - Validation of Debts - It states " 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 : XXXX. The amount of Debt - 2. The name of the creditor - 3. Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; - XXXX. Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgement ; and - XXXX. 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. I was requesting a original contract that bears my signature on it with the original creditor, also the address on file with of the original creditor, amount owed & date of the original charge off amount and As of XX/XX/2022- XXXX XXXX has not sent me any information as required by the statue. Because of this, they ( XXXX XXXX are in violation of 15 U.S.C 1692 g. Also, Under 15 U.S. Code 1681 section 2 ( b ) of the FCRA - States " A reasonable investigation under this statue requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate '' Since, XXXX XXXX has not responded back to my debt validation letter, they have also not conducted a reasonable investigation of my claims and they are in violation of this statue as well. However, they continue to report my account as valid on my credit files and I would like this to be removed. XXXX separate violations of the FCRA and the violation of my rights is for the reason of the removal of this account. 

Also, the FTC XXXX CFPB has submitted an Amicus Brief defending a consumers ' ability to dispute inaccurate items on Credit Reports- XXXX XXXX - XXXX of the FTC 's Bureau of Consumer Protection states '' The law gives consumers a right to dispute inaccurate information and have their claim investigated. The brief states that " The FTC & CFPB rejects the argument that there are circumstances when furnishers do not have to follow the law '' 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. The brief argues that there is nothing in the text of the FCRA that suggest that a furnisher can choose not to investigate indirect disputes if it deems them to be not " bona fide ''. furnishers must investigate all indirect disputes, according to the brief. ( FTC & CFPB - Amicus Brief Included ). So, in conclusion, XXXX XXXX has violated again 2 statues and my consumer right and I want the account with this company removed permanently from my credit files. 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