Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is in response to Experian credit bureau failed communication of a copy of disputed accounts on my credit report I enclosed on XXXX XXXX. I sent Experian a letter requesting validation of the above accounts. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
Under the FDCPA, Experian are required to response to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and Experian have not yet sent me copies of documentation of the validity of the reinvestigation process procedure. Under both XXXX and XXXX consumer law, I have the absolute right to get a debt validated, and Experian are obligated to respond to within the statutory time limit. Experian 's failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act law and may result in an investigation of Experian Credit Reporting Agency for non compliance and other violations by the Federal Trade Commission. Any attempt to collect a debt without properly validating would be a violation of the FDCPA and State consumer protection laws. Should Experian continue to attempt to collect these debts without validation, I have the right to sue Experian in small claims court and subject them to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. In addition, I would like to remind Experian that they are legally obligated not to report a debt that has not been properly validated. I am sure that Experian wish to resolve this matter as quickly as possible and avoid any unnecessary complications. Should Experian fail to respond to this letter within 15 days, I will not hesitate to report these violations to my State Attorney General, all the Federal Bureaus of investigation and the Federal Trade Commission. I have sent in all the proper identification and court documents necessary to get this matter resolved. 15 USC1681i states in paragraph B, The Consumer Reporting Agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the credit reporting agency from the consumer and who Experian contacted, what information was transmitted, who and where is the company that helped Experian verify the accuracy and completeness of the reinvestigation and company telephone number. All I requested a long time ago. Experian is supposed to do an independent investigation, which never happened. Experian has ignored me. Experian has not been adhering to the Federal laws. Experian needs to be held accountable for violating my consumer rights under the FCRA, FDCPA, State and Federal laws of the United States of America. Since I did not get any proof or a method of verification documents from Experian by FCRA, FDCPA, State and Federal consumer law, credit reporting agencies Shall and Must promptly Remove or Delete disputed items from credit report. 
Regards, XXXX 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 non-monetary relief