Consumer complaint received 2021-01-03
Company: Experian Information Solutions Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
Good Day. Regardless of the name, and or title XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX would like to proceed under. The fact is, you all inquire about alleged debts and that inquiry is to indeed collect those alleged debts which makes you all Debt Collectors and if you are perceived as Debt Collectors you fall within the provisions of the ( FDCPA ) Fair Debt Collection Practices Act and Must abide those Laws because they govern you as debt collectors or even a Student Loan Servicer. On XX/XX/20 I previously demanded Validation of these alleged student loan debts according to 15 U.S. Code 1692g - Validation of debts. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX responded on XX/XX/20. But the response did not contain Any documentation of requires validation of the alleged debt under 15 U.S. Code 1692g - Validation of debts. I the Consumer XXXX XXXX XXXX will ask once more for the validation of the alleged debts that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX seems to be certain they can provide as it is Federal Law that you be able to provide validation for any alleged debt you inquiry from me a Consumer according to 15 U.S. Code 1692g - Validation of debts. A few credit Bureaus has updated my Consumer reports and they show that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX has since XX/XX/20 adjusted my account to " on time '' payments that I have Not given Any Payment to at all into Good Standing. Which seems to be wrong because again I did not pay any amount of money to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX and that would be lying nor have I received Any Validation or Verification of the Alleged debt I asked for on XX/XX/20 according to Federal Law 15 U.S. Code 1692g - Validation of debts. 
I am requesting Validation and Verification of the alleged debt in its entirety from XXXX XXXX XXXX XXXX XXXX, and since you all are Student Loan Servicers, I also request in an Affidavit of Truth under the penalty of perjury that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Define Exactly what a Loan is under the Definition section in the FDCPA as it should certainly contain such a definition as you all are governed by these laws and are working as Student Loan Servicers. The validation of the alleged debt must follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts. 
( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
( c ) ADMISSION OF LIABILITY- The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
My request for Validation and Verification of the alleged debt should not only follow in accordance with 15 U.S. Code 1692g - Validation of debts. But also, under lawful definition of Verification. Which is the declaration under oath or upon the penalty of perjury. A response in an Affidavit of Truth under the penalty of perjury validating and verifying the alleged debt will suffice. 
If the definition of a Loan can not be defined under according to the FDCPA and the alleged debt Can not be validated and verified in accordance with 15 U.S. Code 1692g - Validation of debts, and in declaration under oath or upon the penalty of perjury in an Affidavit of Truth. I Demand Deletion, Removal, and the alleged debt to show a balance of {$0.00}. I also want confirmation that the alleged debt shows a balance of {$0.00} as it would be proven that the alleged debt is indeed unvalidated, unverified, inaccurate, and incorrect. These are indeed violations to my consumer rights and could be compensated for under 15 U.S. Code 1692k - Civil liability. A fair resolution would be just to confirm the alleged debt to show a balance of {$0.00}.

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