Consumer complaint received 2019-12-31
Company: Experian Information Solutions Inc.
State: FL
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:
I have requested numerous time to have XXXX removed from my reports. I have submitted documentation it was dismissed by the property.

Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. 

If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX ( Continued On Next Page ) Page 3 of 4 XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX Account Number XXXX Status Date Status XX/XX/XXXX Unpaid ADDITIONAL INFORMATION : Date Reported Date Assigned XX/XX/XXXX XX/XX/XXXX Creditor XXXX XXXX Balance Date XX/XX/XXXX Client Name XXXX XXXX XXXX Original Amount {$2500.00} Consumer Disputes This Account Information Notice to Consumers Date of 1st Delinquency XX/XX/XXXX Balance Amount {$2500.00} Oral contracts and open-ended accounts ( including credit cards ) Florida statute of limitations on debt collection is four years. The Florida statute of limitations for judgment collections is 20 years from the date of the judgment. The Florida statute of limitations on debt collection refers to the amount of time a debt collector can legally sue you in an attempt to collect payment from a delinquent debt. Obviously, by all moral standards you should pay outstanding debts but once this time period passes, the agency cant legally take you to court.

Florida Statute of Limitations on Debt Collection Under the Fair Debt Collection Practices Act ( FDCPA ), a creditor can attempt to collect on a bad debt even if it falls outside of the Florida statute of limitations on debt collection. It is entirely possible for creditors to file lawsuits in an attempt to collect on old debts even when the statute of limitations has passed.

XXXX, EXPERIAN, and XXXX didn
t do their due diligence to determine the date or they hope I would not attempt to defend myself. The Florida statute of limitations on debt collection has passed, I have the right as a consumer to defend myself and have the debt removed from my reports I feel these agencies are abusing the power the hold over my life and the ability to improve my score. Which in turn can improve my life. 

These credit agencies are outside of the Florida statute of limitations on debt collection, I have contacted the FTC to prove the debt collector broke the FDCPA and possibly even state laws also the State Attorneys office as its illegal to harass an individual to obtain payment. This item has set on my report for 6 years and with numerous request to remove they refuse. 

The reporting date shows XXXX where the court documentation and the agencies all say XXXX. Illegal 'zombie ' debt collections rampant in Florida XXXX Last week, the Federal Trade Commission declared in a new report that Florida is the scam capital of the nation, with nearly 2.7 million consumer complaints made.

Title VIII LIMITATIONS Chapter 95 LIMITATIONS OF ACTIONS ; ADVERSE POSSESSION 95.11Limitations other than for the recovery of real property.Actions other than for recovery of real property shall be commenced as follows : ( 1 ) WITHIN TWENTY YEARS.An action on a judgment or decree of a court of record in this state.

( 2 ) WITHIN FIVE YEARS.

( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country.

( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of paragraph ( 5 ) ( e ), s. 255.05 ( 10 ), s. 337.18 ( 1 ), or s. 713.23 ( 1 ) ( e ), and except for an action for a deficiency judgment governed by paragraph ( 5 ) ( h ).

( c ) An action to foreclose a mortgage.

( d ) An action alleging a willful violation of s. 448.110.

( e ) Notwithstanding paragraph ( b ), an action for breach of a property insurance contract, with the period running from the date of loss.

( 3 ) WITHIN FOUR YEARS.

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