Consumer complaint received 2022-03-13
Company: Experian Information Solutions Inc.
State: MD
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:
I have several accounts being reported as collections on my credit report with the 3 credit bureaus from XXXX XXXX XXXX. I do not acknowledge or accept these debts to be mine. I have tried several times to dispute these collections with all 3 credit reporting agencies because they are being reported by a Debt Purchasing Company XXXX XXXX XXXX and I have requested validation several times only to get nothing back. In one instance I did get a letter from XXXX XXXX with a credit card statement enclosed. Nothing adds up to anything that is legal under the FCRA. 

Each time I have disputed the credit bureaus respond with the same canned message " the account has been verified by the creditor and meets the FCRA requirements ''. None of the 3 bureaus have provided any proof as to why their continued reporting of alledged debts meets the requirements of the FCRA. They only provide a letter indicating that their reporting meets the requirements no proof. 

I'm not exactly sure what XXXX XXXX XXXX is providing to the 3 credit bureaus to verify that they are reporting correct information. They have failed to show anything to me that either validates or verifies that these collection accounts belong to me or anything on how XXXX XXXX XXXX determined the amounts I allegedly owe. 

XXXX XXXX XXXX has a notorious record on the internet of failing to verify or validate accounts as well as other unethical behavior. XXXX XXXX XXXX has many complaints filed against them with the BBB, CFPB and the FTC. Therefore I am reaching out to the CFPB in order to force the 3 credit bureaus to remove these items from my credit record immediately. 

In accordance with the Fair Credit Reporting Act, I hereby maintain that XXXX XXXX XXXX and the 3 Credit Report Bureaus XXXX, Experian and XXXX XXXX are violating my rights under the FCRA by continuing to report the unvalidated and unverified accounts listed below as collections :!. ) XXXX XXXX XXXX Account # XXXX 2. ) XXXX XXXX XXXX Account # XXXX 3. ) XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX has never responded to letters asking for verification or validation of these 3 debts. In one case I received a copy of a credit card statement. A credit card statement is not considered to be verification or validation under the FCRA even though all 3 credit bureaus maintain that it does.

In addition 15 U.S.C 1681 section 602A of the FCRA Clearly states I have the right to privacy. My rights under 15 U.S.C. 1681 section 602A are being violated as well as my reputation publically demeaned by XXXX XXXX XXXX by publically accusing me of owing debts for which they have provided no proof that I owe and reporting them as collections to all 3 credit bureaus. 

XXXX, Experian and XXXX XXXX are violating my right to privacy under the FCRA 15 U.S.C. 1681 Section 602A by publicly reporting on my credit reports debt that is considered hearsay since no proof so far that I know has been provided to them. XXXX, Experian and XXXX XXXX even after being informed by dispute of these inacquicies continues to report 3 these collections to the public violating my rights to privacy under the FCRA and publically demeaning my reputation. 

XXXX, Experian and XXXX XXXX are also violating my rights under the FCRA 15 U.S.C 1681 Section 604A Section 2 : This section states a consumer reporting agency can not furnish an account without written instructions from the consumer. I have no contractual obligations with XXXX, Experian, XXXX XXXX or XXXX XXXX XXXX. I have also never given XXXX, Experian, XXXX XXXX or XXXX XXXX XXXX any written instructions to furnish any account whatsoever to my credit bureau report. 

I ask that the CFPB reconize that my rights are being violated by XXXX, Experian, XXXX XXXX and XXXX XXXX XXXX and ask that they be ordered to cease and desist any and all reporting and or collection of any debts immediately. I ask that the CFPB order the 3 collection bureaus to delete any and all references to any of the debt listed above since it violates my privacy and since I have never provided written instructions for them to furnish any of the accounts.

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