Consumer complaint received 2018-09-13
Company: Experian Information Solutions Inc.
State: TX
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 dispute has everything to do with Experian and their violating my rights as a consumer. The account in question is with XXXX XXXX account # XXXX. On XXXX I sent a VALIDATION OF DEBT disputing asking to verify its mine in the letter to Experian asking for verification of this debt being mine and validating it by process of providing me with original signatures and documents as it is my consumer right regarding my inaccuracy on my credit report. I did not get it and sent a followup letter on XXXX XXXX again request same information and also asking them to provide signatures and what was their process per the FDCPA. I also pulled credit report and noticed that there was no NOTICE OF DISPUTE LISTED IN COMMENTS both EXPERIAN AND XXXX XXXX FAILED TO COMPLY with FDCPA 809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

I guess they didn't care to do comply with for the months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX when you can clearly see on the attached documents I have filed disputes with EXPERIAN. *please see attached proof of the experian credit report. 

They account also has mulitple inaccuracies that i have shown which has again violated my consumer rights under the FCRA -Results frojm XX/XX/XXXX report show recent payment amount of 0 yet the balance history shows a payment was made on XX/XX/XXXX of XXXX. How was this payment made? who made this payment? what was method of payment? how were payments made on XX/XX/XXXX/XX/XX/XXXX -PAYMENT HISTORY CHART SHOWS DOFD AS XX/XX/XXXX 30 DAYS PAST DUE that means XX/XX/XXXX the account would be 180 DAYS PAST DUE FOR CHARGE OFF WHY WASNT THIS ACCOUNT CHARGED OFF UNTIL XX/XX/XXXX??? 
-HOW IS THIS CHARGED OFF AND PAST DUE? AND CLOSED? 
-BALANCE UPDATED IN XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX? 
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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