Consumer complaint received 2018-06-04
Company: Experian Information Solutions Inc.
State: NJ
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:
On Monday XX/XX/XXXX, I spoke to a representative names XXXX from the XXXX XXXX department and he conveyed that as per Experians guidelines- I can not receive written validation from Experian certifying the debts on my credit report belongs to me. This is a violation of my Fair Credit Reporting act and I am demanding WRITTEN, not verbal validation that the debts below belongs to me. I sent the credit reporting agency as well as, the companies validation letters and have not received and answer. This was more than 180 days and my rights were violated. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with the competent evidence that I have any legal obligation to you. 
Please provide me with the following : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX  509 Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX sercvices, XXXX, XXXX XXXX XXXX ( XXXX, XX/XX/XXXX ) information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request cleary to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiffs debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Including, if you are collecting interest, what is the interest rate? Is there a defaulted or pre defaulted rate of interest. If so how much is the interest rate? Are you collecting Interest from the date of the charge off or the date of first delinquency or the date of purchase and the following : 1. A COPY OF THE ORIGINAL CREDIT APPLICATION ( S ) SHOWING TERMS OF THE AGREEMENT. 
2. Original documents used to compile a summary of all account activities, including all payments made, late charges, intrest date of payment received, date of payments posted, charges made, and date of charges posted. 
3. Copies of all records and original documents, that have been used by your company that has authorized you to post the disputed late payments to my credit file with the named credit bureau s above in concern.Copies of all charge slips, invoices, promissory notes, and all other documents providing indebtness. 
4. Copies of all documents sent to me regarding this account. 
5. Please provide under penalty of perjury the complete chain of title of the original promissory note and/or contract. 

Prove the Statue Of Limitations has not expired on this account Show me that you are licensed to collect in my state. 

Im sure you know, under the FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs XXXX XXXX No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

I would also like to request, in writing that no telephone contact and be made by your office to my home, cell phone or to my place of employment. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
I look forward to an uneventful resolution of this matter.

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