Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: PA
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 Pa XXXX XXXX XXXX XXXX Re : Dispute of Collection Accounts and Request for Permissible Purpose Documentation To whom it may concern, I am writing to you as a consumer XXXXXXXX XXXX XXXXXXXX, whose personal information is provided below. It has come to my attention that there are two collection accounts associated with me XXXX XXXX XXXX XXXX records. The details of these accounts are as follows : 1. Account Name : XXXX XXXX Account Number : XXXX Date : XX/XX/ 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/ Upon reviewing my XXXX XXXX XXXX XXXX history, I have concerns regarding the legality of these accounts and the information used to establish permissible purpose for obtaining XXXX XXXX XXXX personal information XXXX It is my belief that the collection agencies, namely XXXX XXXX and XXXXXXXX XXXX XXXX, have failed to provide sufficient evidence of permissible purpose as required by federal law. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, collection agencies are required to have a permissible purpose when accessing and reporting consumer credit information. This includes obtaining consumer reports for the purpose of collecting debts. It is crucial for the collection agencies to demonstrate that they had a valid and lawful reason to obtain XXXXXXXX XXXX XXXX personal information, as failure to do so can result in serious violations of my rights as a consumer. 

Therefore, I kindly request that you provide me with the following documentation within 30 days from the date of this letter : 1. Any and all documents, agreements, or contracts that demonstrate a permissible purpose for accessing XXXXXXXX XXXX XXXX  personal information in relation to the aforementioned collection accounts. 

2. A detailed explanation of the steps taken by your agency to verify the accuracy and completeness of the information provided by the original creditors, specifically with regards to the validity of the debts and XXXX XXXX XXXX obligation to pay. 

3. Copies of all correspondence, including letters, emails, or any other form of communication, sent to XXXX XXXX regarding these collection accounts. 

Failure to provide the requested documentation within the specified timeframe may result in legal action to protect XXXX XXXX 's rights under the FCRA and other applicable laws. This could include seeking damages for any violations and reporting non-compliance to the appropriate regulatory authorities. 

To ensure accurate and timely communication, please direct all correspondence regarding this matter to the undersigned at the address provided above. I expect your prompt attention to this dispute and request, as the law mandates swift resolution of consumer credit issues. 

Thank you for your immediate attention to this matter. I look forward to receiving the requested documentation and resolving this dispute in a fair and lawful manner. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Pa 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 non-monetary relief