Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am very disappointed with Experian. I can't believe that after providing all the evidence proving that the collection agency XXXX XXXX XXXX in bad faith reported this bogus debt to my credit report. Experian sent me the following results " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute '' " The reporting remains '' I will like for Experian to provide me with proof of certification from this XXXX XXXX XXXX collection agency. I am also certifying that I DO NOT OWE any money. I am certifying with evidence that XXXX XXXX XXXX ignored, failed to notify me or send me any communication regarding this debt. 

Per my rights under the Fair Debt Collection Practice Act, Section 809 : they were required to send me written communication within five business days. Providing me with the following 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

XXXX XXXX XXXX failed to do so, violating my rights. After I noticed their fraudulent reporting on my credit report I immediately attempted to contact them via telephone to no avail. I immediately sent a letter via certified mail disputing the debt and the fraudulent reporting to my credit report. They never answered my letters. 

Under Section Code 809 : ( b ) Disputed debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

My rights were violated I was never given the opportunity to dispute. Per my rights under the Fair Debt Collection Practice Act and the Fair Credit Reporting Act. Per my certified letter to XXXX XXXX XXXX they received my dispute and they decided to ignore it. They should have never reported this inaccurate reporting on my credit report. I am demanding the immediate removal of this information on my credit report.

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