Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 am writing to you in regards to the debt associated with an auto loan account that is being reported on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ) and its amendment, I kindly request that you provide me with the necessary information to validate this debt within 30 days of your receipt of this letter.

In accordance with the FCRA, it is my understanding that your obligation is to provide me with information pertaining to the validity and accurate reporting of this debt. Therefore, I request that you provide me with the following information : 1. The complete loan agreement bearing my WET signature, demonstrating my agreement to the terms and conditions of this auto loan. 
2. The complete payment history for this auto loan, including dates and payment amounts.

3.Proof of ownership, Documents proving that you are authorized to collect on this debt, including documentation of any transfers.

4. Verification of ORIGINAL CREDITORS information, name address and phone number of ORIGINAL CREDITOR. Please note that a mere collection notice, billing statement, or account summary will not fulfill the requirements as stated in the FCRA. 

I request that you provide me with the specific information outlined above to properly validate the debt in question. Note : The ILLEGAL REPORTING of INACCURATE AND FALSE INFORMATION is IN FACT a VIOLATION of the FCRA and is Also IN FACT in VIOLATION of the REQUISITE METRO 2 COMPLAINT : 15 USC 1681 SECTION 604 A SECTION 2 A consumer reporting agency can not furnish a account without my written consent 15 USC code 1681-602 Right of privacy 15 US code 1681 b Permissible purpose of consumer report 15 USC 1666 A & B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge According to THE FAIR CREDIT REPORTING ACT, I have the right to a FAIR AND ACCURATE CREDIT REPORT, therefore you are in fact REQUIRED, to remove ANY AND ALL, information 's that are not based on TRUTH, COMPLETE ACCURACY, and VERIFIED BY FACTS! | Please provide me any documentation providing proof I applied for credit with this creditor, any signed documentation proving I owe this creditor and any and all factual information 's showing a debt owed to this creditor by myself IF YOU CAN NOT provide or bring forth any such information 's documentations and factual proof, please remove this INACCURATE AND FALSE INFORMATION, IMMEDIATELY, from my credit report. Upon doing so I request for you to send me an updated report in order to show your compliance with the FCRA LAWS and METRO 2 Reporting standards, showing the removal of this account. any attempt to continue collection efforts without fulfilling the validation requirements, may result in serious legal consequences. It is essential that you handle this matter in a timely and appropriate manner to avoid any potential violation of my rights under the FCRA. Please communicate with me in writing regarding the validation of this debt. 

Any correspondence received will be retained as evidence in case further action is required to protect my rights. Furthermore, please ensure that all future communication regarding this debt is in writing to maintain accurate records of our interactions. I appreciate your prompt attention to this matter and look forward to receiving the requested information within the given timeframe.

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