Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have written multiple letters asking that this account be deleted from my credit report. They are not investigating the account. This account is charged off and I have yet to receive a 1099 for it. Please see attached letters. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX XX/XX/24 Re : Account # XXXX To Whom It May Concern : Your company is reporting the below-referenced account on my credit report as a collection account. 

Account # XXXX is reporting as a charge off with a blaance which is not correct. I am asking that you please delete this account on all my credit reports immediately. 
I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you, please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. 

XXXX XXXX This is 2nd letter XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/24 Re : { account_number } To Whom It May Concern : I have received your attempt to validate the debt regarding account # XXXX. Thank you for sending this information. After reviewing the information you sent me, I hate but love to tell you that you have failed to validate this debt. Your office hasnt sent any portion of what appears to be acceptable documentation so you have not yet provided sufficient evidence, per the FDCPA and as required, that this alleged debt is accurate and mine. 

You DID NOT Send : 1. Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. This requirement was established by XXXX XXXX XXXX 2. Proof of my identity 3. Proofthat XXXX XXXX owns this debt or the Contract giving you power to collect 4. Proof that this debt has not been written off as a tax liability 5. In addition, I've recently learned that you're required to send me notification of this debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT! And if you think you did, then you must also send me proof that you did. 

As you can see, your company has clearly failed to send the legally required validation of this debt. So I would suggest you go ahead and remove this account from my credit file right away. Please send notice immediately once youve updated your records and have removed me from your files. 
For the purposes of 15 U.S.C. 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. All future communications with me must be done in writing for tracking purposes and sent to the address noted in this letter. 

Thank you and I look forward to your resolving this mistake most expeditiously. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX cc : FTC ; U.S. Attorney General ; XXXX ; Consumer Action ; Consumer Federation of America ; Consumer Reports