Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/XXXX I have contacted XXXX XXXX on numerous occasions through the credit bureaus Experian, XXXX, and XXXX  regarding my account being overcharged. However, XXXX XXXX refuses to correct this matter. My account balance is incorrect. My cellular phone was disconnected and closed on XX/XX/XXXX. However, I was billed until XX/XX/XXXX. XXXX is reporting my phone was connected and active, which is inaccurate and I have proof of my final bill and disconnection date. My debt has been paid in full and is not a settled payment, because adjustments to my account haven't been made. I'm left with a balance I don't owe My original balance owed was {$190.00} on XXXX, XXXX, XXXX. XXXX reported {$310.00} balance to the credit bureaus. I would like this account removed from my credit reports immediately as its inaccurate. 


Please read letter below : RE : XXXX XXXX XX/XX/XXXX To : Experian, XXXX, XXXX  I disputed the balance/overcharge on my XXXX XXXX account on XX/XX/XXXX, XXXX XXXX XXXX XXXX.The Collection Agency that XXXX XXXX sold my account to in XX/XX/XXXX. XXXX XXXX XXXX, said I would receive a letter in the mail within 30 days about my dispute. However, I never received anything from XXXX. 

XXXX XXXX Solutions has not provided me with the following information at initial contact or within five days. A list of the collection activities prohibited by the federal Fair Debt Collection Practices Act ( FDCPA ). Or the types of income that is protected from collections. Nor have they provided me with information about the identity of the original creditor and an itemized accounting of the debt.

The amount of the debt when the original creditor sent it to collections, the amount of interest accrued since the debt was sent to collections ; the amount of other fees and charges ; or payments made since the debt was sent to collection. 


XXXX XXXX is not handling my account because they sold it to XXXX XXXX XXXX. However, XXXX is still reporting a balance due. If the original creditor sold the debt to a collection agency, then according to Fair Credit Reporting Practices, it should not continue to report a balance owed.Verizon is in violation of the Fair Credit Reporting Act. Furthermore, when Experian verified my account they used XXXX as the source of validity, not XXXX, who now owns this debt. 


XXXX XXXX XXXX can not legally collect this debt.The information the debt collector must be able to provide has not been provided. According to the XXXX and XXXX Regulations. They have XXXX Fair Debt Collection Practices Act.I will follow all necessary measures to ensure my rights are not continuing to be violated. Please remove the XXXX  XXXX account from my credit report. 

Update : XXXX XXXX sold/ transferred my Account to XXXX XXXX XXXX XXXX XXXX Another collection agency in which they haven't provided me with any information regarding the Fair Debt Collection Practices Act ( FDCPA ) within 5 days or initial contact. I am requesting all Consumer Affairs License numbers from XXXX XXXX, XXXX XXXX Solutions, and XXXX XXXX XXXX. To ensure they are licensed to collect debt in XXXX XXXX  XXXX where I'm a resident. And to make a formal complaint against these companies regarding violations to the Fair Debt Collection Practices Act. 


I have patiently tried to correct these issues since XXXX, XXXX with no resolution. 

To resolve these issues today. I would like XXXX XXXX to remove this information from my credit report because it's incorrect. However if we can't resolve this matter. I will escalate this to the Attorney General 's office today.

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