Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing a complaint against FCO known as Fair Collections & Out Account # XXXX the Original Creditor : XXXX XXXX XXXX they are in violation State and Federal laws of non-compliance of FCRA and FDCPA statues on fraudulent extortion. I wrote to FCO on XX/XX/XXXX a letter of validation and it was deliver to them on XX/XX/XXXX. They wrote back on XX/XX/XXXX not answering any of the questions or sending any of documents I required. First I stand with CFPB which are investigating them on the same premise as the following. Hereby reserve my right to take private civil action against you to recover damages : The Bureaus complaint alleges that FCO violated the Fair Credit Reporting Act, Regulation V and the Consumer Financial Protection Act by : failing to establish or implement reasonable written policies and procedures regarding the accuracy and integrity of the information it furnished to consumer reporting companies, specifically with respect to its handling of indirect disputes ; failing to consider or incorporate the appropriate guidelines in developing its policies and procedures regarding the handling of indirect disputes ; failing to review its indirect dispute handling policies and procedures and update them as necessary to ensure their continued effectiveness ; failing to conduct a reasonable investigation, or any investigation, and review all relevant information in its handling of indirect disputes ; and furnishing information about accounts before or without conducting an investigation into the accuracy of the information it was furnishing after receiving identity theft reports from consumers disputing such accounts. 
Finally, the Bureaus complaint alleges that FCO and XXXX XXXX XXXX violated the Fair Debt Collection Practices Act when FCO represented that consumers owed certain debts when, in fact, FCO did not have a reasonable basis to assert that the consumers owed those debts. 
The Bureaus complaint seeks an injunction, as well as damages, redress, disgorgement of ill-gotten gains, and the imposition of a civil money penalty. 
In the letter I wrote they fail to complete the form with questions and documents : CREDITOR/DEBT COLLECTOR DECLARATION Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. 

______________________________________________________ Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : XXXX Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased? 

____________________________________________ Amount paid if debt was purchased : ___________________________________________________________ Commission for debt collector if collection efforts are successful : Please attach a copy of the agreement with your client that grants FCO the authority to collect this alleged debt. 

Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. 

Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. 

Please attach copies of all statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : ______________________________ ______________________________ ______________________________ _________________________________________ Authorized Signature For Creditor Date __________________________ 2 ) Collection agencies " Re-Age '' my account by reporting the date of last activity instead of the date of 1st delinquency : Consumer Protection afforded by the FCRA Section 605 ( c ) damages. This is harming me as consumer of reporting inaccuries and errors not only you but the credit bureaus. Who refuses to correct information after provided proof of inaccuracies. Defamation, willful injury. FCRA Section 623 CUSHMAN v. TRANS UNION CORPORATION US COURT of Appeals for the Third Circuit Court Case 115 F3d 220. If this is not removed from all CRA with 15 days we will be pursuing legal actions.

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