Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the validity of an account held by your company, XXXX XXXX XXXX, as it pertains to my personal financial records. Pursuant to the provisions set forth by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request a comprehensive investigation into the alleged debt associated with the aforementioned account. 

Account Details : Account Number : XXXX Original Creditor : XXXX XXXX Date of Account Opening : XX/XX/2022 Amount in Dispute : {$150.00} I believe there may be inaccuracies and discrepancies regarding the aforementioned account. Under the FCRA, I am entitled to receive a written response within 30 days of this letter and a detailed investigation into the matter. During this investigation, I kindly request that you provide the following information : Verification of Debt : I request that you provide valid documentation verifying the debt, including the original contract, signed agreement, or any other pertinent documents proving my liability for the alleged debt. It is essential that the documents clearly establish my obligation to pay. 

Verification of Creditor 's Authority : Please provide proof that XXXX XXXX XXXX has the legal authority to collect on this debt and that the debt was assigned to your company lawfully. 

Validation of Reporting : If you have reported this debt to any credit reporting agencies, please provide proof of accurate reporting. I request that you furnish any supporting documentation demonstrating that the account information has been correctly reported, including dates and amounts. 

Cease and Desist : In accordance with the FDCPA, I kindly request that you cease all communication with me regarding this debt until the investigation is complete. This includes phone calls, letters, and any other means of communication. Please restrict any contact to providing me with the requested documentation and notifying me of the results of the investigation. 

Failure to comply with the aforementioned requests may result in legal action. If it is determined that any violation of my rights under the FDCPA or the FCRA has occurred, I reserve the right to pursue all available remedies under the law. 

I would also like to request that you confirm in writing that this dispute has been received and is being investigated. Additionally, I kindly request that you provide me with the contact information for your designated agent for service of process, as required by the FDCPA. 

Please direct all correspondence, including the requested documentation, to the address listed at the top of this letter. I appreciate your prompt attention to this matter and your cooperation in resolving this dispute. 

If you do not any proof, you must delete this account immediately.

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