Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX, a debt collection firm, has reported 5 collection accounts to my XXXX, XXXX, and experian credit reports. This complaint is ONLY about 2 of those 5 collection accounts being reported by LVNV ... specifically : 1 ) the account reporting a balance of {$8900.00} ( as of XX/XX/XXXX ) 2 ) the account reporting a balance of {$5900.00} ( as of XX/XX/XXXX ) It should be easily to identify these two accounts as the reported balance is significantly higher than any other collection account that XXXX XXXX XXXX is reporting to my personal consumer credit reports. 


Recently, XXXX has been contacting me through their legal counsel, XXXX XXXX  XXXX XXXX XXXX, as a debt collection attempt. They are representing XXXX XXXX  XXXX for the two reported accounts in question. 

XXXX XXXX  XXXX, on behalf of XXXX, responded to my request for debt validation for these two accounts. 

Their response to my debt validation request proves that they are unable to show that their client, XXXX XXXX XXXX, ever purchased these two alleged accounts from the alleged original creditor XXXX XXXX XXXX XXXX. 

Invalid Debt Validation Response to the {$8900.00} account : XXXX XXXX  XXXX showed documentation for a " Bill of Sale '' from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for " Lot Number XXXX. '' It goes on to say that XXXX XXXX XXXX XXXX sells the debt immediately to XXXX XXXX XXXX, which sells the debt immediately to XXXX XXXX XXXX, although I do not recall receiving any phone calls, documentation, or debt-collection disclaimers from XXXX XXXX XXXX XXXX or XXXX XXXX XXXX as required by the FDCPA. The aggregate number of accounts and aggregate unpaid balance is intentionally blacked out. The document goes on to claim that the receivables are identified on " Exhibit A '', and the only information contained on the page Titled " Exhibit A '' is : " Exhibit A Receivables File XXXX XXXX Sale XXXX Transfer Group Portfolio Transfer Batch XXXX XXXX N/A '' None of the information in Exhibit A ties me to the alleged debt whatsoever, and all that is demonstrated is that XXXX XXXX XXXX purchased a bulk number of accounts, and therefore does not validate the debt. 

XXXX XXXX  XXXX sent the same, invalid debt validation for the other accounts as well, as shown below. 

Invalid Debt Validation Response to the {$5900.00} account : XXXX XXXX  XXXX showed documentation for a " Bill of Sale '' from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for " Lot Number XXXX. '' It goes on to say that XXXX XXXX XXXX XXXX sells the debt immediately to XXXX XXXX XXXX, which sells the debt immediately to XXXX XXXX XXXX, although I do not recall receiving any phone calls, documentation, or debt-collection disclaimers from XXXX XXXX XXXX XXXX or XXXX XXXX XXXX as required by the FDCPA. The aggregate number of accounts and aggregate unpaid balance is intentionally blacked out. The document goes on to claim that the receivables are identified on " Exhibit A '', and the only information contained on the page Titled " Exhibit A '' is : " Exhibit A Receivables File XXXX XXXX Sale XXXX Transfer Group Portfolio Transfer Batch XXXX XXXX N/A '' None of the information in Exhibit A ties me to the alleged debt whatsoever, and all that is demonstrated is that XXXX XXXX XXXX purchased a bulk number of accounts, and therefore does not validate the debt.

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 non-monetary relief