Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am writing in response to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reply to my complaint regarding their failure to provide proper debt validation and their inaccurate reporting of an alleged debt. Their response is both inadequate and incorrect in several key areas, and I would like to clarify the following : XXXX claims that my complaint was improperly submitted to the CFPB and that the CFPB XXXX is " not intended to be used in this manner. '' This statement is inaccurate. The CFPB exists precisely to oversee and investigate potential violations of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

My complaint is NOT merely a request for validation ; it is a formal objection regarding their failure to meet their legal obligations under these statutes. XXXX 's failure to properly validate the debt and their continued inaccurate reporting to credit bureaus make this a valid issue for CFPB oversight. 

XXXX has stated that my request for validation is outside the validation period. While I acknowledge that under 15 U.S. Code 1692g of the FDCPA there is a limited time to dispute the debt ( typically 30 days ), this does not absolve XXXX from their responsibility to ensure that the information they report to credit bureaus is accurate, proving that the alleged account and its information belongs to me. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I have the right to dispute any information that is inaccurate or unverifiable on my credit report at any time. XXXX continues to report the debt as collection, and if they can not properly validate the debt, they are legally required delete the inaccurate information. The fact that they refuse to do so despite being unable to provide validation shows noncompliance with their responsibilities under the FCRA. 

XXXX  refusal to delete the tradeline, despite not providing proper validation, is a violation of the FCRA. They are obligated to ensure that the information they report is accurate and complete. Continuing to report inaccurate or unverifiable information is harmful to my credit standing and constitutes a violation of 15 U.S. Code 1681s-2 ( a ). Additionally, this may be considered an unfair practice under 15 U.S. Code 45, and such actions contribute to defamation of my credit profile. 

XXXX has denied all claims and refuses to pay any damages. However, their refusal to delete inaccurate information and failure to properly validate the debt directly harm my financial standing, as it has negatively impacted my credit score and led to the loss of credit opportunities. Under 15 U.S. Code 1681n, I am entitled to statutory damages for willful violations of the FCRA, and under 15 U.S. Code 1692k, I am entitled to compensation for violations of the FDCPA. 

In conclusion, XXXX response is an attempt to sidestep their legal obligations, and their continued inaccurate reporting is in violation of both the FDCPA and FCRA. I request that the CFPB hold XXXX accountable for their actions, ensure that they comply with federal regulations, and require them to : XXXXDelete all inaccurate information from my Experian, XXXX, and XXXX consumer reports. XXXXCease any further reporting of this unverifiable debt. XXXX. Provide compensation for the harm caused by their actions, as outlined in my initial complaint. 

Non-compliance with federal law and the ongoing intentional, negligent, and defamatory actions will lead me to escalate the matter, including filing formal complaints with the FTC, XXXX, and XXXX. 

Thank you for your attention to this matter. I look forward to the CFPBs assistance in resolving these violations and ensuring that my consumer rights are protected.