Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : In XX/XX/XXXX I moved into a new apartment. I signed up for XXXX cable and internet services. On XX/XX/XXXX I moved out of my apartment, terminating my XXXX services XXXX day prior on XX/XX/XXXX. The balance on my account when I terminated my services was confirmed to be $ -0-. I did not provide XXXX with any forwarding address since my account was closed. 

When I moved out of my apartment on XX/XX/XXXX, I temporarily moved into a hotel for a short period of time. You can verify this by calling the XXXX XXXX  in XXXX IL at ( XXXX ) XXXX I recently checked my Experian credit report and found that there is a collection item for {$270.00} reported by XXXX XXXX. XXXX XXXX is attempting to collect a debt for XXXX. 

I called XXXX XXXX on two occasions requesting detailed information regarding debt validation. Specifically, I asked for copies of XXXX 's monthly billing statements for XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX has absolutely NO information and/or documentation available to validate this debt, i.e. no monthly billing statements, etc. All they can tell me is that per XXXX I owe them {$270.00}. Nothing more. Apparently, I'm just a name on list of thousands of customers reported by XXXX who supposedly have outstanding $ balances owed. Again, XXXX XXXX is attempting to collect a debt with NO debt validation whatsoever, only my name and a dollar amount on a list from XXXX. 

The dates reported on my Experian Credit Report are as follows : - Date Opened - XX/XX/XXXX - Date of First Delinquency ( DOFD ) - XX/XX/XXXX I checked my bank account and the date of my last payment to XXXX via phone was for {$60.00} on : - Date of Last Payment ( DOLP ) - XX/XX/XXXX. 

In other words, it took XXXX XXXX over 16 months to open a collection account. 
Most importantly, their XX/XX/XXXX " Date of First Delinquency '' is FRAUDULENT -> I moved out of my apartment and terminated my services on XX/XX/XXXX and I made my last payment on XX/XX/XXXX. 

** PLEASE NOTE** : XXXX XXXX  can CONFIRM that my XXXX Account was closed in XX/XX/XXXX. By law, the Date of First Delinquency must be 30 days from the date of the last payment made. Since XXXX XXXX can CONFIRM that my XXXX account was closed in XXXX of XXXX, then claiming that my Date of First Delinquency was on XX/XX/XXXX ( 18 months later ) is IMPOSSIBLE, and therefore their DOFD is FRAUDULENT. 

According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), a fraudulent " DATE OF FIRST DELINQUENTY ( DOFD ) '' is viewed as an attempt by a collection agency to illegally " RE-AGE '' the debt. This illegal attempt to re-age a debt, along with XXXX XXXX XXXX inability to provide me with any form of Debt Validation would require Experian to immediately and without question remove this {$270.00} debt from my Credit Report. 

I previously filed an online dispute with Experian regarding this {$270.00} debt. However, the investigation results came back as " Verified '' by XXXX XXXX. 

XXXX XXXX should NOT be allowed to do this to me, or any other innocent victim. 

Thank You.

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