Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please supply the following facts in total detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
>If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the present creditor obtained the debt and who the extant creditor obtained it from. 
>Provide verification and documentation ( retail installment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the accepted creditor. 
>If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. 
>If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
>If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
>Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 
Due Diligence and Rights to Collect : >If you fail to provide any of the information or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or document your claims. 
>I would like more info about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
>If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the XXXX XXXX of XXXX license, the license number, and the name, address and telephone number of the state agency issuing the license. 
Regulatory Compliance : >Is your firm aware of ( Complying with the Credit Bureau Settlement Agreement )? 
>Does your firm participate or utilize any type of XXXX ( XXXXXXXX XXXX  Dispute XXXX ) software or system? 
>Does your firm outsource data entry for your collection process ( if so please provide the appropriately reported name and address of that data entry firm )? 
>Is your firm currently XXXX XXXX compliant in its credit bureau reporting procedures ( if not pleaser provide a signed declaration and waiver memorandum you have filed with the credit bureau or credit bureau reporting service that details the full process and steps your firm is undertaking to become XXXX compliant )? 
>As a requirement of the Credit Bureau and the CFPB debt validation requirement, please detail your firm 's process of verification and validation for each disputed credit item ( also include the name, title, and License number for the reviewing officer )? 
>In addition, please provide a Complete ( XXXX XXXX or XXXX XXXX ) snap shot of the debt report you have provided to the CRA 's ( including a full P-segment trailing segment of the report )? >Provide a SIGNED notice of Compliance with regulatory measures as required by both the CFPB and the Credit Bureau Settlement Agreement ( signed by your compliance officer, validating this DEBT and including the the name, title, and License number for the reviewing officer )? I was also INFORMED by the CFPB supervisor that YOUR Firm has 30 days to PRODUCE ALL of the ABOVE noted information. If your firm CAN NOT produce ALL of the above noted documentation in the allotted time frame, I will accept a written NOTIFICATION stipulating that your firm CAN NOT COMPLY with the FDCPA and formally withdrawing your claim to this dubious debt is demanded. If you choose to ignore this demand, I will pursue a direct course offered under the SETTLEMENT AGREEMENT entered into by the Credit Reporting Agencies with the ATTORNEY GENERAL OF THE STATE OF NEW YORK BUREAU OF CONSUMER FRAUDS & PROTECTION and 37 other states that specifically EMPOWERS a working group to remediate and hold accountable and sanction data furnishers who fail to meet the requirements of the FDCPA and CFPB compliance guidance for Professional Debt Collection Practices. If your firm chooses not to respond to this VALIDATION demand and its conditions I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious collection activities-see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX. You have 30 days from the post mark date of this validation demand to answer. 
In Genuine Sincerity I close, My First and Last Name is and ONLY is XXXX XXXX My XXXX XXXX Number XXXX Street Name, City, and State is and only is 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 explanation