Consumer complaint received 2024-07-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Re : Permanent Deletion of Collection Item from All Credit Bureaus Dear CFPB, I am writing to formally request that a collection item, which has already been removed from my Experian credit report, be permanently deleted and not reappear in the future. I want to ensure that this item remains deleted and is not sold or transferred to another collection agency. 
Details of the Collection Item : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date of Collection : XX/XX/year> Basis for Request : 1. Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) : The FCRA mandates that consumers have the right to dispute inaccurate or incomplete information on their credit reports. The deletion of this collection item from my Experian report strongly indicates that the information is inaccurate or unverifiable, and therefore, it should be similarly corrected or removed from my XXXX and XXXX reports. 
2. Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) : Despite my formal disputes with both XXXX and XXXX, they have not completed their reinvestigation within the statutory 30-day period required by law. The FCRA is clear that if an item can not be verified, it must be promptly deleted from the consumers credit report. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) : In accordance with the FDCPA, I requested validation of this debt from the collection agency. The agency has failed to provide sufficient and accurate evidence of the validity of this debt. Without proper validation, this debt should not be reported to any credit bureau.

4. Consumer Financial Protection Act ( CFPA ) - Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The continued reporting of this item constitutes an unfair and deceptive practice under UDAAP provisions. The inconsistency of this item 's status across different credit reports is indicative of potentially deceptive reporting practices, which are detrimental to my creditworthiness and financial health. 
XXXX. Prohibition Against Reselling Debt ( FDCPA Section 805 ) : I also request that this debt not be sold to another collection agency. Such an action would not only perpetuate the inaccuracies but also violate the principles of fair debt collection practices. 
Enclosed with this letter is proof of the deletion of the collection item from my Experian report. This documentation should serve as evidence that the item has been deemed inaccurate or unverifiable and should, therefore, be removed from all other credit bureaus to ensure the accuracy and completeness of my credit profile. 

In light of the aforementioned points, I respectfully request the CFPB to intervene and mandate the permanent deletion of this collection item from my Experian report, ensuring it does not reappear in the future. This will ensure compliance with federal law and maintain the integrity of my credit profile. 

Thank you for your prompt attention to this serious matter. I look forward to a swift resolution and your confirmation of the actions taken. 

Sincerely, XXXX XXXX