Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning the unlawful furnishing of a fraudulent collection account on my Experian credit report by XXXX XXXX. This unjust reporting has persisted for approximately XXXX years, and I believe it is crucial to address this issue promptly. 

The account in question is as follows : Account Number : XXXX Date Opened : XX/XX/2019 I am formally requesting that the Consumer Financial Protection Bureau investigates this matter and takes appropriate action against XXXX XXXX for their unlawful and fraudulent practices. Several key issues highlight the severity of this situation : Lack of Licensure in the State of Florida : XXXX XXXX is not licensed to collect debts or furnish information to credit bureaus in the state of Florida. This violates Florida state laws and regulations governing debt collection agencies. 

Violation of the XXXX XXXX : XXXX XXXX XXXX operations are in direct contravention of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). This system clearly defines the states in which collection companies are authorized to collect debts. The inclusion of Florida is conspicuously absent from their authorized states. 

Given these violations and the absence of appropriate licensure, it is evident that XXXX XXXX 's collection activities and reporting on my credit report are in direct violation of Florida state laws and the XXXX framework. 

In light of these circumstances, I formally request the following actions to be taken : Immediate Removal/Deletion : I request that the fraudulent account, Account Number XXXX, which has been reported to Experian, be removed or deleted from my credit report without delay. 

Investigation and Enforcement : I urge the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX unlawful debt collection and reporting practices in Florida and take appropriate enforcement action against them to prevent further harm to consumers. 

Prevent Future Violations : I request that the CFPB takes measures to ensure that XXXX XXXX and similar entities adhere to state and federal laws governing debt collection practices, preventing future violations. 

I have attached copies of relevant documents that support my claims, including proof of XXXX XXXX 's lack of licensure in the state of Florida and their exclusion from the XXXX framework for debt collection. 

I am grateful for your attention to this matter and your dedication to protecting consumers from unlawful debt collection practices. I look forward to a prompt resolution of this issue and the removal of the fraudulent account from my credit report. 

Please do not hesitate to reach out to me if you require any further information or documentation to assist in your investigation.

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