Consumer complaint received 2015-09-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
ATTN : XXXX XXXX XXXX XXXXThank you for your follow-up message. The XXXX has reviewed this complaint and responded directly to the complainant via USPS mail. HOWEVER, I XXXX XXXX XXXX am in dispute of the Investigation Results. Due to privacy laws the XXXX can not release the results of their findings or communications REGARDING the complainant for ( XXXX XXXX ) without the required written authorization. 
This e-mail is regarding the above referenced complaint, which XXXX XXXX XXXX XXXX submitted to your agency filed against XXXX on XXXX/XXXX/2015. I will be mailing you the required form to complete your investigation. Nevertheless, as advised, in order for XXXX to further pursue this complaint, I XXXX XXXX also faxed the required form needed. I completed the attached XXXX form and return it back to your office within TEN ( 10 ) business days. I placed " Attn. XXXX XXXX at XXXXXXXXXXXX '' under the area titled " E-mail communication ''. 


As per the correspondence, I received from : The XXXX - Dated : XXXX XXXX, 2015 : This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from The XXXX on my credit report. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that The XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX , Financial Aide Records, your re-investigation will determine, there were no account balances. ( See attached e-mailed documents ). Enclosed with this email. 

The XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, XXXX must also be aware that until XXXX validate this debt, XXXX can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 





Please Note : Re : False Certification of Student Eligibility or Unauthorized Payment Discharge is unacceptable. 
Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or FFEL Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation