Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

On XXXX XX/XX/XXXX Consumer recieved a notification from XXXX that a collection account was placed on his report. Upon logging into the respective web portals Consumer found XXXX XXXX XXXX ( " XXXX '' ) placed a collection item in files that Experian, XXXX, and XXXX keep regarding Consumer. Consumer disputes the alleged collection item in full for the following reasons : 1. Lack of Proper Notice : Consumer has neither received communication from nor received notice from XXXX XXXX XXXX regarding the alleged debt. According to the Fair Debt Collection Practices Act ( FDCPA ), Consumer has the right to be notified of any debt being collected. Despite residing at the same address for over a year at the time of alleged placement, no notice was provided by XXXX to consumer This can be confirmed by the records of Experian, XXXX, and XXXX ; 2. Failure to Verify Address : If XXXX provided XXXX with an outdated address, XXXX should have verified the accuracy of the address before sending any notices. The failure to ensure the notice reached Consumer further underscores XXXX  failure to follow reasonable procedures ; 3. Violation of FDCPA : By failing to provide Consumer with proper notice and an opportunity to dispute the debt, XXXX violated Consumers rights under the FDCPA. This suggests that XXXX may have deliberately avoided notifying Consumer so that they could place the collection item in credits files the CRAs keep regarding consumer to extract payment independent of the validity of the alleged debt ; 4. Access to Account Information : XXXX XXXX online system requires a registration code, a reference number, or a XXXX ID to log in and access information regarding alleged debt. This code is supposed to be found in a letter or email sent by XXXX, which Consumer have never received regarding the alleged debt. This further underscores the lack of proper notice and communication from XXXX ; 5. Materially Misleading Information : The information reported by XXXX is materially misleading under the standard set forth in XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) ) .The omission of critical details, such as the lack of proper notice and the need for a specific login code, creates a misleading impression that adversely affects Consumers creditworthiness ; 6. Accuracy of Information : The Date of First Delinquency ( DoFD ) is alleged to be XX/XX/XXXX, yet the collection was only reported on XXXX XX/XX/XXXX. This delay and the lack of communication raise serious concerns about the accuracy and validity of the alleged debt reported ; 7. No Inquiries on Credit File : There are XXXX ( XXXX ) inquiries from XXXX in credit the credit files XXXX, Experian, and XXXX keep regarding Consumer. This suggests a lack of proper due diligence by XXXX to verify any alleged address to which they purport to have mailed any collection notice ; 8. Billing and Payment Processing Issues : Between XXXX and XXXX XXXX had significant billing and processing irregularities for Consumers utility account, which resulted in delays in billing and payment processing. These issues were documented in Consumers CFPB complaint dated XXXX XX/XX/XXXX ( attached ). Additionally, an energy draft for {$620.00} issued by Consumers state of residence was never applied to Consumers XXXX account, further contributing to the inaccuracies ( attached ). Despite these discrepancies, the damage to Consumer 's credit report and financial standing has already been done. XXXX has failed to follow reasonable procedures to assure the maximum possible accuracy of the information it reports to the CRAs, and this has resulted in significant harm to Consumer 's creditworthiness.