Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Dear Sir/Madam, I am XXXX XXXX XXXX a natural person, and this is me physically sending this dispute. I am writing to address recent attempts to collect a debt allegedly owed by me. I dispute the validity of this debt and assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Telephone Consumer Protection Act ( TCPA ), and the California Rosenthal Fair Debt Collection Practices Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX4 Pursuant to Section 312 of the Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681a-2 ( B ), and 15 U.S.C. 1681b ( 2 ), I am entitled to receive comprehensive verification and documentation concerning the alleged debt. 

Specifically, I request the following information : 1. **A Copy of the Promissory Note** : This note should clearly display the maturity date, principal amount, interest rate, and the signature of the issuer. This document is essential to verify the legitimacy and accuracy of the debt claimed.

2. **Details of the Original Creditor** : According to 34 CFR 685.215, it is imperative that the original creditor 's details, including the name and contact information, be provided to ensure transparency and accuracy. 

3. **Account and Transaction History** : Detailed records of all transactions related to this debt, including payments made, charges applied, and any other relevant financial activities.

4. **Legal Authorization** : As per 12 CFR 1006.34 ( c ), please provide a detailed explanation of your legal authorization to collect this debt and any assignments or transfers of this debt from the original creditor to your agency.

Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), but has yet placed a collection on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Collection Agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ).

Please be advised that I am prepared to take all necessary legal action to protect my rights and seek remedies for any violations of the FDCPA, TCPA, and California Rosenthal Fair Debt Collection Practices Act. 

Thank you for your prompt attention to this matter. I expect your compliance with this request within 30 days of your receipt of this letter. If you are unable to provide the requested information, please acknowledge this in writing and update my credit report to reflect the disputed status of this debt. 

Sincerely, XXXX XXXX