Consumer complaint received 2024-10-30 00:00:00
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.
State: UT

Complaint narrative:
Cease and Desist Demand for Non Compliance toValidation of Alleged Debt Account : XXXX This letter serves as an urgent and non-negotiable demand for immediate validation of the alleged debt referenced above. You are legally obligated under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) to provide clear proof of this debt.

You had over 90 days from receipt of this letter to supply the following documentation : Proof of the Debt : A detailed statement or record showing the amount of the alleged debt and an itemized explanation of the charges. 
Original Creditor Information : The name of the original creditor, the account number, and the date the debt was incurred.

Original Contract or Agreement : A copy of the original signed agreement or contract with XXXX XXXX XXXX XXXX proving my legal obligation to pay this debt. 
Chain of Custody : Documentation showing your authorization to collect this debt, including all assignments or transfers. 
XXXX XXXX XXXX XXXX IS AUTHORIZED TO HAVE WRITTEN COMMUNICATION ONLY XXXX XXXX XXXX XXXX has failed to provide this documentation within the legal required time frame of 30 days.There were multiple attempts to receive the legal documentation and still your company has not complied .Resulting in an immediate demand for the removal of any negative entries related to this debt from all credit bureaus. Additionally, you HAVE NOW incurred a fine of {$3800.00} for each bureau to which this debt has been reported. Payment of this fine must be made directly to XXXX XXXX and sent to senders address above. 
Non-compliance with this demand will lead to reporting your actions to the Consumer Financial Protection Bureau ( CFPB ) and prompt aggressive legal action to enforce my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ) and the FTC Specifically : Under 15 U.S.C. 1681 ( c ) ( 2 ), you are required to halt all negative reporting until you provide proper validation.

Per 15 U.S.C. 1637 ( a ), you must disclose all terms of the debt and related agreements clearly.

According to 15 U.S.C. 1681s-2, you must ensure the accuracy and completeness of any information reported to credit bureaus.

Under 15 U.S.C. 1681n, you will be liable for damages and attorney 's fees for failure to comply with the FCRA.

Under 15 U.S.C. 1681 ( e ) ( b ), you have failed to provide the necessary proof of this debt for over 90 days. 
Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), it is required that a furnisher of information, such as XXXX XXXX XXXX, must provide accurate information to credit reporting agencies. If XXXX XXXX XXXX knowingly reports inaccurate information or fails to correct errors after being informed of them, it constitutes a willful violation of this provision. 
Therefore, if XXXX XXXX XXXX continues to report inaccuracies despite having received notice of the discrepancies, it is in clear violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) and may be held liable for damages resulting from such willful non-compliance. This behavior undermines consumer rights and damages individuals ' creditworthiness.

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