Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 a certified letter was sent to XXXX requesting they review and update my personal information and validate my debt. I received the green tracking certified Mail card with XXXX XXXX stamped confirmation of receipt dated XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2022 a certified letter was sent to XXXX XXXX XXXX XXXX requesting validation for debt. I received the green tracking certified mail card with XXXX XXXX signature dated XX/XX/2022. 
I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2022 advising they validated my date through the original creditor and provided copies of invoices. Based on my personal research XXXX XXXX XXXX XXXX is a 3rd party debt collector and are not the original creditor as they confirmed in their response letter. It is my understanding there are 2 types of debt collectors 1. The Original Creditor 2. 3rd party debt collector, per the Fair Dept Collection Practices Act 3rd party debt collectors are not granted permission to contact me through my initial contract with my original creditor. No one is allowed to have or purchase my information without my consent, and I assure you I did not give my consent to XXXX XXXX XXXX XXXX XXXX to contact me. I do understand 3rd party debt collectors can purchase my debt but not my information, based on the documents provided by XXXX XXXX XXXX XXXX XXXX it appears they have indeed purchased my personal information, which is an infringement on my consumer rights and privacy. According to 15 USC 1692 b 3rd party collectors can inquire about my location only.

In addition, the Fair Debt Collection Practices Act ( FDCPA ) states a debt collector must 1. Identify themselves and make it clear that they are inquiring about a location information and if asked to do so identify his/her employer 2. They can not state I owe any debt by phone or through the mails. Clearly, the validation letter received from XXXX XXXX XXXX XXXX XXXX clearly states communication from a debt collector attempting to collect a debt ; any information obtain will be used for that purpose, which is another violation of FDCPA. I requested If they fail to provide the name of the creditor of this account, I am demanding they remove this account from my consumer reports. 

XX/XX/2022 a Validation of Debt letter was sent via certified mail was sent to XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, account was closed with not notification. 
A Validation of Debt letter was sent via certified mail was sent to XXXX XXXX  tracking tracking # XXXX XXXX XXXX XXXX XXXX. No Follow up by debtor A Validation of Debt letter was sent via certified mail was sent to XXXX  XXXX tracking tracking # XXXX XXXX XXXX XXXX XXXX. I received a letter from XXXX XXXX with a credit agreement enclosed no explanation of debt validation. 

15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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