Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is not a duplicate. I am submitting these disputes here because the web portals for the credit bureaus are under maintenance or not working. 

XXXX XXXX XXXX XXXX Credit Bureau XXXX Credit Bureau XXXX Credit Bureau This letter is being sent to you in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a VALIDATION request made pursuant aaccording the Title mentioned earlier and Section with regards to this specific issue as listed on my credit report by XXXX XXXX XXXX. 

The specific item ( s ) in dispute for the reason of this particular submission to you, XXXX XXXX XXXX are as follows : Terms as listed in the Experian Credit file associated with my name. 
Please provide me accurate, fair, complete, and verifiable proof that I ever agreed to these terms as you are reporting. In this case, it is 1 month that you are reporting sir that I agreed to that statement. I would like proof of that. 
Notice the incorrect spelling? ( 1 month ), I complained about that several weeks ago and that was ignored, for the record that is not grammatically correct, and having a plural entry where it is supposed to be a singular month, could affect my credit score. 
The agreed amount of time to pay back the money borrowed is a pop-up information balloon that explains exactly as it is written. Prove to me that I agreed to pay back anything in one month. 
Also, prove to me where I borrowed money as the indicator says on the report. Prove to me where I ever borrowed money and agreed to pay that money back in one month. 
Terms I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you with regards to this entry I am disputing today. 
Sir, keep in mind your response may be audited for accuracy, completeness, fairness, and summary verifiable. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Experian, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, with truthful, accurate, accountable, and verifiable information, references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 

Let me remind you that your response to this specific dispute will be reviewed very carefully., Statutes that govern this collaboration including both North Carolina state law and U.S. Federal law will be the reference for such review.

You may continue to forward future communications with me but MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX CREDITOR/DEBT COLLECTOR DECLARATION Please provide all the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this debt validation request. 

Name and Address of Alleged Creditor : XXXX XXXX XXXX contd. 
Name on File of Alleged Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Social Security Number : XXXX Date of birth : XXXX How many Account ( s ) are being reported by XXXX XXXX XXXX to my credit file? Answer ( 2 ) separate debts, sometimes one, have been submitted against me Amount of debt : {$1000.00} & {$85.00} Please answer these questions as well regarding the accounts you are reporting to the credit bureaus regarding XXXX XXXX XXXX. 



The date that this debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to a debt collector or purchased? 

____________________________________________ Amount paid if the debt was purchased : ___________________________________________________________ contd. 
Commission for debt collector if collection efforts are successful : ____________________________________ Please attach a copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt. 

Also, please attach a copy of any signed agreement debtor has made with the debt collector or other verifiable proof debtor has a contractual obligation to pay the debt collector. 

Please attach a copy of any agreement that bears the debtors signature, wherein they agreed to pay the creditor. 

Please attach copies of all statements while this account was open. 

Please provide the name and address of the bonding agent for { Name Of Debt Collector }, in case legal action becomes necessary : ______________________________ ______________________________ ______________________________ Authorized Signature For Creditor Digital Signature : XXXX XXXX XXXX XX/XX/2022 You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of this letter. 

But most importantly, be sure to address the specific disputes within this letter to us. 

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for debt validation made under the FDCPA. Please allow 30 days for processing after I receive this information back.

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