Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Subject : Debt Collection Violation Notice Cease and Desist Dear Sir/Madam, I am writing to bring to your attention potential violations of several provisions under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC ; 1692c ( c ), 15 USC 1692g , 15 USC 1692C , 15 USC 1692b ( 2 ), 15 U.S. Code 1692e ) and Regulations F ( 12 CFR Part 1006 ), as well as the potential for civil liability as outlined in 15 U.S. Code 1681n.

1. Violation of 15 USC ; 1692c ( c ) : -This provision states that debt collectors are prohibited from communicating with consumers in connection with debt collection at any unusual time or place that is known or should be known to be inconvenient to the consumer. Despite this, I have been receiving frequent and untimely communication from your agency, which has disrupted my daily life and cause significant inconvenience.

2. Violation of 15 USC 1692g : - This provision requires debt collectors to provide consumers with written validation notice within five days of the initial communication concerning the debt. I have not received any validation notice from your agency within the specified time frame.

3. Violation of 15 USC 1692C : - This provision states that debt collectors must cease communication upon receiving written notice from a consumer to do so. Despite my previous written request to cease communication, which was sent on XX/XX/2023, I have continued to receive unwarranted contact from your agency.

4. Violation of 15 USC 1692b ( 2 ) : - This provision prohibits debt collectors from communicating about a consumers debt with third parties, except for limited permissible purposes. I have found evidence that your agency has shared information about my debt with unauthorized third parties, a clear violation of my rights under this provision.

5. Violation of 15 U.S. Code 1692e : - This provision prohibits debts collectors from using false, deceptive, or misleading representations or means in connection with the collection of any debt. Your agency has made several false and misleading representations while attempting to collect the debt, thereby violating this provision.

6. Violation of 15 USC 1692i : - This provision ensures that actions to collect a debt are brought in the appropriate judicial district. Your agency has persisted in pursuing collection actions against me in an improper jurisdiction, a violation of this provision.

I hereby demand that you immediately cease all communication with me regarding this debt, in accordance with my rights under the FDCPA and Regulation F. Failure to comply with this request will leave me with no option but to seek legal redress, including filing a complaint with the appropriate regulatory authorities, and pursuing civil action in accordance with 15 U.S. Code 1681n. 
Please consider this letter as a final warning and an opportunity to rectify your past actions. I expect full compliance with all relevant laws and regulations, as well as an acknowledgement of receipt of this notice, within [ reasonable timeframe, e.g., 10 business days ]. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 explanation