Consumer complaint received 2015-05-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX reported an account that is not mine on my credit report to all three credit bureaus. I disputed the debt directly with XXXX and XXXX received that notification from me on XXXX/XXXX/XXXX where I asked for documents needed for debt validation from this collection agency. My initial notice was ignored. On XXXX XXXX, XXXX, XXXX received a second notice from me informing them that they violated the FCRA, the FDCPA, and the TEXAS FDCPA by leaving this UNVALIDATED account on my credit report as the TEXAS FDCPA states a collection agency has 30 days from their receipt of a consumers DISPUTE and validation request in which to provide the items needed to vakidate the debt to the consumer, if the collection agency neglects to provide the consumer with the items necessary to validate the debt as the consumers within 30 days then the collection agency must remove the debt from the consumers credit report with all credit bureaus within 5 days. I demanded the immediate removal of this collection account that is not mine from all credit reports as per law or I would pursue the max compensation that I am entitled to under the FDCPA, the FCRA, and the TX FDCPA which is actionable under the TX DECEPTIVE TRADE PRACTICE ACT AND AWARDS triple the amount in addition to mental anguish awards. XXXX IGNORED MY SECOND NOTIFICATION. ON XXXX XXXX, XXXX XXXX received a demand for restitution document and notice of my intent to prosecute my claim against them in federal and state courts for XXXX DELIBERATE VIOLATIONS OF MY RIGHTS UNDER THE FCRA, THE FDCPA AND THE TEXAS FDCPA. THAT DOCUMENT GAVE XXXX 60 days to reach a settlement with me or my attorney will proceed in a suit against this collection agency in Federal and State court for AMRs deliberate violations of my rights under the FCRA, the FDCPA, and the Texas Fdcpa by reporting this unvalidated account on my credit reports, neglecting to notify the credit bureaus that this account was disputed by consumer on XXXX/XXXX/XXXX, deliberately reporting false information on my credit report among other violations. This demand for restitution and payment of damages document which XXXX received via certified mail on XXXX/XXXX/XXXX served to meet the requirements under the TX DTPA which states that a formal notice must be given to the defendant granting them 60 days to reach a settlement with the plaintiff prior to proceeding to court. I had disputed this item with all XXXX credit bureaus and since XXXX neglected to validate the debt within 30 days of my written request and since XXXX could not verify the debt to them XXXX was smart enough to follow the federal and state credit acts which states that credit bureaus can not report an account that a collection agency failed to validate to the consumer within 30 days of the consumers written request on an individual 's credit report. XXXX and Experian, however, chose to verify this account that XXXX failed to validate as mine. XXXX violated my rights under the FCRA, the FDCPA, and the Texas Fdcpa by verifying this account to the credit bureaus when XXXX KNEW THAT XXXX NEGLECTED TO VALIDATE THIS DEBT TO ME AS PER THE WRITTEN REQUEST THAT XXXX RECEIVED FROM ME ON XXXX/XXXX/XXXX. Now XXXX and Experian have violated my rights under the FDCPA, FCRA, AND THE TEXAS FDCPA BY VERIFYING THIS ACCOUNT AS ACCURATE AND MINE WHEN NOTHING COULD BE FARTHER FROM THE TRUTH. XXXX AND EXPERIAN WILL NOT REMOVE THIS ACCOUNT NOW. THIS IS A DIRECT VIOLATION OF MY RIGHTS UNDER THE FCRA, FDCPA, AND THE TEXAS FDCPA AND EXPERIAN AND TRANSUNION ARE ABOUT TO BE INCLUDED IN MY LAWSUIT AGAINST THIS CORRUPT COLLECTION AGENCY.

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