Consumer complaint received 2016-12-10
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian Consumer Relations Department XXXX XXXX XXXX XXXX TX XXXX XX/XX/2016 Dear Experian Consumer Relations Department, Please provide evidence the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please delete these damaging accounts information. 
v ACCOUNT - XXXX XXXX ACCOUNT NUMBER : XXXX .... 

I HAVE WRITTEN TO XXXX XXXX IN REGARDS TO THIS ALLEGED ACCOUNTS INFORMATION. AS OF TODAY 'S DATE XX/XX/2016 I HAVE NOT RECEIVED MY VALIDATION IN REGARDS TO THIS ALLEGED ACCOUNT. 

AS XXXX XXXX IS IN FACT NO DOUBT AWARE THAT THEY HAVE LEGALLY EXCEEDED THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW! THIS INVALIDATED ACCOUNT SHOULD NOT BE COMPLETELY REMOVED FROM MY PERSONAL CREDIT REPORT. 

AS YOU EXPERIAN ARE ALSO IN FACT NO DOUBT AWARE THAT YOU TOO ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT LAWS, BY CONTINUING TO REPORT THAT THIS ALLEGED ACCOUNTS INFORMATION IS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT IT IS! THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERIAN TO COMPLETELY REMOVE THIS INVALIDATED ACCOUNTS INFORMATION AS SOON AS POSSIBLE. 

ACCOUNT- XXXX ACCOUNT NUMBER : XXXX .... 

AS A CONSUMER I HAVE THE LEGAL RIGHT TO REQUEST THAT A LEGAL VALIDATION BE MADE IN REGARDS TO THIS ALLEGED ACCOUNTS INFORMATION THAT IS BEING ILLEGALLY REPORTED ON MY EXPERIAN CREDIT REPORT. 
AS OF TODAY 'S DATE I HAVE REQUESTED SEVERAL TIMES THAT XXXX LEGALLY VALIDATE THIS ALLEGED ACCOUTNS INFORMATION. AS LVNV IS IN FACT NO DOUBT AWARE THAT THEY ARE CURRENTLY IN DIRECT VIOLATION OF THE FAIR DEBT COLLECTIONS PRACTICES ACT, BY 1 ) THEY HAVE FAILED TO LEGALLY VALIDATE THIS ALLEGED ACCOUNTS INFORMATION WITHIN THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW. 
2 ) THEY HAVE FAILED TO PROVIDE ME WITH A COPY OF MY LEGAL SIGNATURE AUTHORIZING THIS ALLEGED ACCOUNT TO BEGIN WITH. 
3 ) THEY HAVE FAILED TO PROVIDE ME WITH A COPY OF A CONTRACTUAL AGREEMENT THAT I HAVE SIGNED WITH THEM. 
ACCORDING TO THE FAIR DEBT COLLECTIONS PRACTICES ACT XXXX IS WELL AWARE THAT THIS ALLEGED ACCOUNTS INFORMATION IS CONSIDERED INVALIDATED ACCORDING TO THE LAW! 

AS YOU EXPERIAN ARE ALSO IN FACT NO DOUBT AWARE THAT YOU TOO ARE CURRENTLY IN DIRECT VIOLATION OF THE LAWS BY CONTINUING TO REPORT THAT THIS ALLEGED ACCOUNTS INFORMATION IS ACCURATE, AFTER BEING PROVIDED LEGAL COMPETENT PROOF THAT IT IS NOT! TO CONTINUE TO REPORT THAT THIS INVALIDATED ACCOUNT IS ACCURATE IS A KNOWINGLY AND DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT LAWS. 

ACCOUNT- XXXX ACCOUNT NUMBER : XXXX .... 

I HAVE REQUESTED SEVERAL TIMES THAT XXXX PROVIDE ME WITH A LEGAL VALIDATION IN REGARDS TO THIS ALLEGED ACCOUNTS INFORMATION, AS OF TODAY 'S DATE XXXX XXXX, 2016 I HAVE YET TO RECEIVE MY VALIDATION IN REGARDS TO THIS ALLEGED ACCOUNTS INFORMATION! 
AS XXXX IS ALSO IN FACT NO DOUBT AWARE THAT THEY TOO ARE CURRENTLY IN DIRECT VIOLATION OF THE FAIR DEBT COLLECTIONS PRACTICES ACT LAWS BY CONTINUING TO REPORT THAT THIS ALLEGED ACCOUNTS INFORMATION IS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED LEGAL COMPETENT PROOF THAT IT IS. 
XXXX HAS FAILED TO PROVIDED ME WITH THE FOLLOWING 1 ) THEY HAVE FAILED TO PROVIDED ME WITH A LEGAL COMPETENT VALIDATION OF THIS ALLEGED DEBT WITHIN THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW. 
2 ) THEY HAVE FAILED TO PROVIDED ME WITH A COPY OF MY LEGAL SIGNATURE AUTHORIZING THIS ALLEGED ACCOUNT TO BEGIN WITH. 
SO HOW CAN I BE SURE THAT I OPENED THIS ALLEGED ACCOUNT. 

I AM NOW DEMANDING THAT EXPERIAN PROVIDE ME WITH THE LEGAL COMPETENT PROOF THAT WOULD PROVE THAT THESE ALLEGED ACCOUNTS INFORMATION SHOULD BE BEING DISPLAYED ON MY EXPERAIN CREDIT REPORT! 

AS I WOULD PREFER NOT TO LITIGATE I WILL EXERCISE EACH AND EVERY ONE OF MY CONSUMER RIGHTS UNDER THE LAW

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