Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IOWA XXXX CERTIFIED MAIL RETURN RECEIPT NUMBER : XXXX XX/XX/XXXX Dear XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) THIS IS MY SECOND REQUEST FOR VALIDATION WHICH YOU HAVE NOT PROVIDED. PLEASE KNOW THAT IF THIS MATTER IS NOT CORRECTED I WILL BE FORCED TO SEEK LEGAL REPRESENTATION. 

*** This is notice that your claim is disputed and denied.I refuse to pay you any monies, please return this account to the original creditor. Please note that current address is listed at the header and footer of this letter and I would only like to be contacted by United States Postal mail at my address. Cease and desist ALL collection activities. This is my formal refusal to pay until this account had been properly validated. If you are not able to validate please permanently delete immediately. *** IN REFERENCE TO ACCOUNT NUMBER : XXXX ACCOUNT TYPE INCORRECT. ACCOUNT STATUS INCORRECT. PAYMENT HISTORY SHOULD BE REPORTING BLANK FILLED. NO DATE OF LAST PAYMENT REPORTING PLEASE DELETE The Consumer Financial Protection Bureau, Fair Credit Reporting Act, Fair Debt Collection Practices Act, among other various state laws there is certain information you must present to me in order to validate, not verify, the account in question. Please provide me with the following... 

1. Legal name and mailing address of debt collector.

2. Name and address of original creditor to whom the alleged debt if owed to.

3. Complete account number as it is in your file. No abbreviations of any kind.

4. Itemization of current amount of debt. Interests, fees, payments, and credits from particular date or verify with records. Please note that itemized amounts can not be left blank, even if no additional amounts have been assessed or applied during the relevant time period. An itemization date and the amount of the debt as of the itemization date and the current amount if the debt. Please note that itemization date can only be the last creditor statement, the charge-off date, the last payment date, transaction date, or judgement date.

5. Current amount of debt as of when the validation notice is provided.

6. Information about my consumer debt collection rights including how to dispute the debt.

7. Proof that I am indeed the correct consumer that this account belongs to.

8. Proof that you are legally able to collect debt in my state.

9. Documentation from the alleged creditor authorizing you to contact me and pursue collection of this alleged debt.

10. Complete accounting records for alleged debt. -Your Purchase Agreement. 

Please provide the name and address of the bonding agent for { creditor_name } in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. You have 30 days to complete my request after you have received it. I have sent this correspondence certified so that I am able to keep track of response time. 

Please be aware that is there are any negative remarks found on my credit report from your company or any company that you represent, this will result in my filing an immediate lawsuit against you and your client for violation of the FCRA and FDCPA, as well as defamation of character and Negligent Enablement of Identity Fraud. 



You are instructed to take no action that could be detrimental to any of my credit reports. 



Thank you for your prompt attention to this matter.THIS IS MY THIRD AND FINAL REQUEST BEFORE SEEKING LEGAL ASSISTANCE. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX References 1. CFPB XXXX Consumer Financial Protection Bureau. XX/XX/XXXX, XXXX.What is a debt collection validation notice? Retrieved from www.consumerfinance.govXXXX 

2. Fair Debt Collection Practices Act 3. Fair Credit Reporting Act 4. XXXX Credit Reporting Resource Guide. Consumer Data Industry Association

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