Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX for Incorrect Credit Reporting and Failure to Validate Debt Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue Details : I am filing this complaint against XXXX XXXX XXXX for the following violations of consumer protection laws related to the handling of an alleged debt of {$1100.00}, which they claim was purchased from Milestone/Bank of Missouri. 

1. False Reporting of Debt : XXXX XXXX XXXX has inaccurately reported to the credit bureaus that they are the original creditor for the alleged debt. This is factually incorrect, as they informed me that they purchased the debt from XXXX XXXX XXXX XXXX Reporting this incorrect information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires that companies report only accurate information to the credit bureaus.

2. Failure to Validate the Debt : I requested XXXX XXXX XXXX provide written proof of the debt, including validation documents as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. To date, they have failed to provide any validation of the debt, including the original contract or any legal documentation proving I owe this amount. The FDCPA requires debt collectors to validate the debt upon request, and their failure to do so is a direct violation of federal law.

3. Continued Reporting to Credit Bureaus : Despite their failure to provide validation, XXXX XXXX XXXX continues to report this debt to the credit reporting agencies ( Experian, XXXX, and XXXX ), which is a violation of the FDCPA. Under the law, they are required to cease all collection and reporting activity until the debt has been properly validated. 

Impact on Me : Due to XXXX XXXX XXXX 's incorrect reporting and failure to provide proof of the debt, my credit score has been negatively impacted, and I am now facing unwarranted financial harm. I have been unable to resolve this matter through direct communication with the company, as they have repeatedly failed to provide any documentation or rectify their false reporting. 

Desired Resolution : I am requesting that the CFPB take action to : Investigate XXXXXXXX XXXX XXXX practices concerning this alleged debt. 
Instruct XXXX XXXX XXXX to cease reporting this inaccurate debt to the credit bureaus immediately. 
Require XXXX XXXX XXXX to provide delete all references to this account from my credit report. 
Impose any other corrective actions deemed necessary to ensure compliance with the FDCPA and FCRA. 

Attachments : I am attaching relevant documentation, including correspondence with XXXX XXXX XXXX, and credit report excerpts showing their false reporting. 

Thank you for your attention to this serious matter. I trust the CFPB will take appropriate action to address these violations and help resolve this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation