Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX. XXXX Consumer Financial Protection Bureau PO Box 2900 Clinton, IA 52733-2900 Re : XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX SSN : XXXX Fair Debt Collection Procedures Act Debt Validation Dispute I. 

This is a complaint pursuant to the terms of the Fair Debt Collection Procedures Act ( FDCPA ), Title 15 of the United States Code ( U.S.C. ) section 1962g, et seq., and the implementing regulations set forth at Title 16 of the Code of Federal Regulations ( C.F.R. ), section 660, et seq., disputing the validity of debts allegedly owed by me and the procedural deficiencies in the furnishing to and recordation by a consumer reporting agency of information in my consumer file as identified with and pertaining to me. 

II XXXX Experian, and XXXX ( " Credit Bureaus ) are consumer reporting agencies as defined by the FDCPA. 

These credit bureaus have within their files, records, and databases consumer reports identified with and pertaining to me contacting items of adverse information supplied by XXXX XXXX XXXX ( XXXX ), XXXX., a third party debt collection within the meaning of the FDCPA, regarding a debt presumably owed to XXXX by me. ( See : Exhibit 1 ). 

III The information contained my XXXX Experian, and XXXX consumer reports is inaccurate and incomplete and violate the notification criteria set forth by the FDCPA in it precludes the following : 1 ) The identity of the original creditor, as required by 15 U.S.C. 1692g ( a ) ( 1 ) and 16 C.F. R. 660.4 ( 4 ) 2 ) The address and other contact information of the original creditor, as required by 15 U.S.C. 1692g ( a ) ( 1 ) and 16 C.F. R. 660.4 ) 3 ) The name and business address of the information furnisher, as required by 16 C.F. R. 660.4 ( a ) ( 2 ) ) 4 ) Date of First Delinquency, as required by and in violation of 15 U.S.C. 623 ( a ) ( 5 ) ( A ) and 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) 5 ) Account Type, as required by 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) 6 ) Date of Last Payment, as required by 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) 7 ) Monthly Payment, as required by 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) 8 ) Payment Frequency, as required by 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) 9 ) Prior Complaints : a. The fact that by letter dated XX/XX/XXXX, I submitted to XXXX a FDCPA debt validity dispute regarding the alleged debt, which to date remains unresponsive, b. The fact that XXXX, on XX/XX/XXXX, initially filed suit against me upon the alleged debt in the XXXX XXXX District Court for the State of Louisiana ( Docket No. XXXX  ), as required by and in violation of 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) c. The fact that XXXX, on XX/XX/XXXX, dismissed its suit against me upon the alleged debt in the XXXX Judicial District Court for the State of Louisiana ( Docket No. XXXX ), as required by and in violation of 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) ) 10 ) The actual validity of and the reasonable attempts undertaken by XXXX, XXXX, Experian, and XXXX to establish the validity of each debt, as required by and in violation of 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) ) 11 ) Date of First Report to Consumer Reporting Agencies, as required by and in violation of 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) IV The absence of the aforementioned information is likely be materially misleading in evaluating a my creditworthiness, credit standing, credit capacity, character, general reputation, and necessary to prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date. See : 16 C.F.R. 660.2 ( i ) V Notwithstanding the aforementioned, that the alleged debt is unenforceable pursuant to Texas expired by limitation of statute, as per Title 2 of the Texas Civil Remedies and Practice Code, Title 2, 16.004 ( 3 ).

VI Pursuant to 15 U.S.C. 1692g ( b ) and 16 C.F. R. 660.4 ( a ), I dispute the validity of the alleged debts and seek the following relief : 1 ) A proper FDCPA notification of the alleged debts, including the following information : 2 ) A proper validation of the alleged debts as per the terms of the FDCPA 3 ) Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

4 ) SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ).

5 ) DELETION of the disputed information from my XXXX   Experian, and XXXX  consumer files as per 15 U.S.C. 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) VII a. XXXX Consumer Reporting Agency may be served a copy of this Complaint at the following address : XXXX Consumer Reporting Agency XXXX. Box XXXX XXXX, Ga XXXX XXXX XXXX may be served a copy of this Complaint at the following address : XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX XXXX Experian may be served a copy of this Complaint at the following address : Experian XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX XXXX XXXX XXXX XXXX XXXX be served a copy of this Complaint at the following address : XXXX XXXX XXXX, LLC XXXX XXXX XXXX XXXX, Virginia XXXX, XXXX Sincerely, XXXX XXXX XXXX

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