Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: PA
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:
There is a collection agency called The XXXX XXXX agency that I have been trying to get to call me back to settle this collection amount. The president of the company refuses to do so. I am unable to get the credit bureaus to remove the collection account for an old personal loan and credit card, as a result I sent this notice to the XXXX XXXX 's president XXXX XXXX. I sent this letter by mail and email and as of XX/XX/XXXX, have still not received any response. 

Notice to XXXX XXXX, President and Owner of the XXXX XXXX XXXX located at XXXX XXXX XXXX # XXXX, XXXX, WI XXXX in the XXXX  XXXX XXXX  XXXX. 

Date of Notice : XX/XX/XXXX Notice drafted, proofed and authored by : XXXX  XXXX-XXXX  ( non-attorney ) representing herself, XXXX XXXX. 

This notice is to serve as a summary of facts collected from a call with the owner and President of the debt collection agency, XXXX XXXX and the accused debtor, XXXX XXXX. 

I spoke to XXXX regarding a debt that her data furnishing agency is reporting to all 3 credit bureaus. The original creditor is XXXX XXXX XXXX and it is for two amounts. The debt, as it has been reported to the bureaus is for a personal loan in the amount of {$3700.00} and the other is for a credit card in the amount of {$520.00}. Over the recorded call XXXX gave me different amounts than the amount they are currently reporting to the credit bureaus. She did acknowledge that the calls are recorded. As these calls are recorded and stored I understand that she has the availability to review these calls, at will. She explained that the debt was acquired from XXXX on XX/XX/XXXX. I asked if her company has jurisdiction and knowledge of laws & statutes in order to do business in the state of Iowa. XXXX acknowledged that they do and asked my reasoning for asking. I explained I was trying to collect facts in order to understand the reported collection amount that was affecting my credit. I continued the conversation by asking if she had access to the original dates of the last payments made, which is considered the date of the breach of contract. XXXX gave me the last date of payment for the personal loan as XX/XX/XXXX in the amount of {$150.00} USD. She also gave me the last date of payment for the credit card as XX/XX/XXXX in the amount of {$20.00} USD. I then asked XXXX, again, if she was aware of the statutes of limitations in the state of Iowa. Again, XXXX confirmed and asked me of my intention with this call. I explained to XXXX that she was in violation of the Iowa Fair Debt Collection Practices Act that states a creditor has 5 years from the date of breach of contract to collect on a personal loan or credit card account that has been charged off. XXXX initially stated that they had 10 yrs to collect on certain debts. I agreed that the state does allow collection up to 10 yrs on MORTGAGE debts. XXXX stated she was unaware of that legality and asked me to send HER, the XXXX of a debt collection agency, proof of the language that stipulates this. I agreed to send her this language and advised that the debt should be removed from collections as the statute has expired for both accounts respectively, effective XX/XX/XXXX and XXXX, XXXX. 

I am requesting in writing, that upon receipt of this document via email, as requested by XXXX as the preferred method of contact, that both collection accounts be DELETED and removed from my credit report as the data is furnished directly from XXXX  XXXX  XXXX  XXXX  to XXXX, XXXX  and Experian. I am requesting that a reply confirming my request be sent back to me via email to { REDACTED FOR PRIVACY }. I am further requesting if XXXX  XXXX XXXX has the documentation to support further reporting this false debt, illegally to the Credit bureaus that they send me the specifics of their claim so I can address these claims appropriately.

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