Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is still reporting on my credit report even after 30 days that I have request validation. On XX/XX/2019, I have sent them another request for validation. I have not received anything from them with 30 days. On XX/XX/2109 I have sen them a nonresponse letter. 

So Their President XXXX XXXX Sent me a letter stating that " We are no longer bound to respond to your demands for validation Since has been met by us. Our debt Validation of debt meets the standards imposed upon us by the Fair Debt Collection Practices Act ( FDCPA ) ''. 

I also have the right to request for Validation Under The Fair Debt Collection Practices Act ( FDCPA ). They have not provided me what I have asked for and they're in violation for not responding within the 30 days I ask for validation. I have sent them with I have is Certified Mail Receipts. 

XXXX XXXX also stated that " Your letter dated XX/XX/2019, has been received and forwarded to me to my office for review and response ''. He also mentions the first request of validation I have requested but not the second on XX/XX/2019. All they sent me was an invoice. No XXXX release form, No contract that I have to pay them. Nothing with my signature. So I have sent them another letter requesting validation. I also sent them letter that stated " I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation ... '' I have made a complaint they have not responded within the 30 days before to the and this is what they stated : " ... He wrote us again on XX/XX/2019, and demanded that we mail him a whole bunch of other things, none of which we are required by debt collection laws to comply with. Then he wrote another letter dated XX/XX/2019, demanding again that we mail a validation of debt ... '' They are lying. I have not written them a letter on XX/XX/2019 demanding validation. I am requesting for validation and I have done so on XX/XX/2019 and for XX/XX/2019 was to 30 days nonresponse letter. 

The whole bunch of other things I ask for was the same for the first validation I sent them. 

Here is what I have asked for Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : To provide proof I have sent an attachment to show along with the Certified Mail Receipts. 

XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 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