Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We were first contacted by XXXX XXXX XXXX via email on XX/XX/XXXX, stating that they have supporting documents from XXXX XXXX XXXX XXXX XXXX XXXX with no monetary amount and we must make payments on their online portal. We sent a cease and desist letter via email and regular mail. XXXX XXXX XXXX contacted us again via mail with statement date XX/XX/XXXX. We received the letter on XX/XX/XXXX. We sent another cease and desist letter via email on XX/XX/XXXX, to dispute validity of said alleged debt as follows : In accordance with the Federal Fair Debt Collection Practices Act, 15 U.S.C. 1692, you are hereby notified to CEASE AND DESIST any and all other attempts to collect this alleged debt. Please note that we are declining any attempts by your collection agency, XXXX XXXX XXXX, or any other collection agency with regards to this matter. In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt. 
According to the CSLB, the application of XXXX XXXX XXXX XXXX XXXX XXXX has only been posted as of XX/XX/XXXX. They began work in early XX/XX/XXXX, which they clearly started without the appropriate license. In other words, they are an unlicensed contractor. They are currently being investigated by CSLB with case number # XXXX. 

Below is an excerpt from the Department of Consumer Affairs Contractors State License Board or CSLB regarding unlicensed contractors.

2022 California Code Business and Professions Code - BPC DIVISION 3 - PROFESSIONS AND VOCATIONS GENERALLY CHAPTER 9 - Contractors ARTICLE 3 - Exemptions Section 7048. 

This chapter does not apply to any work or operation on one undertaking or project by one or more contracts, the aggregate contract price which for labor, materials, and all other items, is less than XXXX XXXX dollars ( {$500.00} ), that work or operations being considered of casual, minor, or inconsequential nature. 

This exemption does not apply in any case wherein the work of construction is only a part of a larger or major operation, whether undertaken by the same or a different contractor, or in which a division of the operation is made in contracts of amounts less than five hundred dollars ( {$500.00} ) for the purpose of evasion of this chapter or otherwise. 

This exemption does not apply to a person who advertises or puts out any sign or card or other device which might indicate to the public that he or she is a contractor or that he or she is qualified to engage in the business of a contractor. 
Universal Citation : CA Bus & Prof Code 7048 ( 2022 ) I also reserve the right to file suit against you for any future violations of this law. 

Please give this very important matter the utmost attention. 

On XX/XX/XXXX, I got notified about a negative impact on my credit score through Experian.

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 non-monetary relief