Consumer complaint received 2024-10-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

Dear Sir/Madam, I am writing to formally request the removal of an outdated XXXX collection account from my credit report. The collection account in question, related to a XXXX [ Account Number ], is over five years old, and I believe it should no longer be reflected on my credit report due to federal and state consumer protection laws. 

As a consumer, I am entitled to certain protections under both federal and California state laws. I would like to outline the legal basis for my request : Federal Law : 1. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681c ( a ) ( 4 ), credit reporting agencies are prohibited from including accounts placed for collection that are more than seven years from the date of the first delinquency. As this XXXX collection account is more than five years old, it is approaching the seven-year limit, and I am requesting its removal in anticipation of this deadline.

2. Accuracy of Consumer Reports : According to 15 U.S. Code 1681e ( b ), credit bureaus must ensure the accuracy and completeness of the information they report. I believe this account, which is now outdated and potentially inaccurate, should no longer be reported as it negatively impacts my credit.

California Consumer Laws : 1. California Civil Code 1785.13 ( a ) : This section of the California Consumer Credit Reporting Agencies Act ( CCRAA ) also limits the reporting of collection accounts to seven years from the date of the first delinquency. While this account is over five years old, I am requesting its removal in advance of this limit.

2. California Statute of Limitations on Debt : Under California Code of Civil Procedure 337, the statute of limitations for collecting on most written contracts, including telecommunications debts, is four years. Since this XXXX debt is now over five years old, it is beyond the legal period for debt collection in California, making this information outdated and potentially inaccurate.

3. California Consumer Privacy Act ( CCPA ) : The CCPA gives California residents the right to request the deletion of personal information that is no longer necessary for business purposes. Given that this debt is over five years old and past the statute of limitations for collection, I am exercising my right to request its deletion from my credit report. 

Thanks again for your attention to this matter In light of these protections, I am requesting the immediate removal of this XXXX collection account from my credit report. Please investigate this matter thoroughly and remove the account. Once corrected, can you please send me confirmation that the account has been removed so I can ensure that the update is reflected across all credit bureaus.

If this matter is not resolved within the 30-day period provided by the FCRA for disputes, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the California Department of Consumer Affairs , or pursue legal action based on both federal and state consumer protection laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ca XXXX