Consumer complaint received 2024-05-22
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 Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, XXXX, XXXX, XXXX XXXX XXXX, and any other relevant creditors regarding inaccurate credit reporting information and unjust collection activities concerning an alleged debt attributed to my name. Despite my repeated attempts to resolve this matter directly with the involved parties, they have failed to provide adequate documentation to substantiate the validity of the debt in question. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. My direct contact number is XXXX. 

The specifics of my complaint are as follows : XXXX. **Inaccurate Debt Reporting** : Experian, XXXX, XXXX, XXXX XXXX XXXX XXXX and other creditors have reported an outstanding debt associated with my name, yet they have failed to provide sufficient evidence validating the existence and accuracy of this debt. Despite my requests for documentation, including signed contracts or agreements pertaining to the alleged debt, the creditors have neglected to provide such evidence. 

XXXX. XXXXViolation of Fair Debt Collection Practices Act ( FDCPA ) XXXX : Under the FDCPA, creditors and debt collectors are required to provide accurate information regarding debts owed by consumers. Moreover, the FDCPA prohibits creditors and debt collectors from engaging in unfair or deceptive practices. Despite these regulations, the involved parties continue to pursue collection activities and report this alleged debt without providing the necessary documentation, thus violating my rights as a consumer. 

XXXX. XXXXDemand for ResolutionXXXX : I demand that Experian, XXXX, XXXX, XXXX XXXX XXXX XXXX and any other relevant creditors take immediate action to provide documentation validating the existence and accuracy of the alleged debt. Furthermore, I request that they cease all reporting and collection activities related to this alleged debt until the requested documentation is provided. Additionally, I request the removal of any negative reporting related to this alleged debt from my credit reports until the debt 's validity is verified. 

Failure by the involved parties to comply with this demand will result in legal action. Any continued reporting of this debt and attempts to collect on it without providing the requested documentation will be considered a violation of the FDCPA. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Experian, XXXX, XXXX, XXXX XXXX XXXX, and any other relevant creditors for their failure to adhere to federal regulations governing credit reporting and debt collection practices. 

Please acknowledge receipt of this complaint and inform me of the steps being taken to address this issue. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Direct : XXXX cc : Attorney XXXX XXXX XXXX.