Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX SSN : XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items listed below. 
The below accounts are INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is myTHIRDrequest, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. 
I regret that I am being forced to take such action. 
Please see my reasons for dispute below : XXXX XXXX As the original credit and executor, I never granted any specific company the right to contact me, and they did so continuously using abusive tactics. Under the Fair Debt Collection Practices Act 15 USC Section 1692 I was a victim of invasion of my privacy.You are violating laws enacted by congress, and I am aware of my rights as a consumer. Remove this defaming information immediately. 
XXXX XXXX The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In addition to that, these late payments can not be validated. - Please remove this inaccurate information from my report. This company is in direct violation of congress law. Please investigate and delete immediately. 
I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
This account has also been in a dispute status all while still attempting to collect debt, and I've yet to receive verification of debt via mail with proof of ownership of this specific charge off account Sincerely, XXXX Attn. : Consumer Relations XXXX P.S. Please be aware that dependent upon your response, I may or may not be inclined to prepare a statement for online public release, including documentation of any potential law violations that I will be preparing all documentation for validity and forwarding all said complaints to the organizations below : CC : XXXX XXXX, Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 CC : Law Firm XXXX , XXXX & XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of the Currency CC : Federal Reserve System CC : Credit and Insurance 1 of 2 CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints Consumer Financial Protection Bureau po box 4503City, Iowa 52244 Enclosures : Proof of Address Proof of Identity

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