Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Unauthorized Reporting of Adverse Information, Failure to Validate Alleged Debt, and Request for Compensation Complaint Summary : I am filing this complaint against XXXX XXXX XXXX and the credit reporting agencies involved Experian, regarding the unlawful reporting of adverse information, failure to validate the alleged debt, and lack of evidence proving their legal authority to collect or report this debt. These actions violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : 1. Failure to Validate Debt and Prove Authority : XXXX XXXX XXXX has failed to validate the alleged debt, as required under FDCPA 1692g ( b ). Specifically : They have not provided any evidence that they are legally authorized to collect on this alleged debt. 
No original contract or proof of assignment has been provided to demonstrate that the debt is valid or that XXXX XXXX XXXX is the proper party to collect it. Without this documentation, XXXX XXXX XXXX has no legal standing to collect or report the debt. 
2. Violation of FCRAs Accuracy Standards : The credit reporting agencies have inaccurately reported this alleged debt on my credit report without verifying its legitimacy or ensuring maximum accuracy, as required by FCRA 1681i. I have not received sufficient proof to substantiate the reporting of this debt, and no corrective action has been taken by XXXX XXXX XXXX or the credit reporting agencies. 
3. Unlawful Reporting of Adverse Transaction Information : The adverse information reported relates to transactions that are not supported by verifiable evidence or a contractual obligation on my part. Reporting this information is unlawful under FCRA 1681b, as it misrepresents my creditworthiness and harms my credit score without justification.

4. Lack of Permissible Purpose for Reporting : XXXX XXXX XXXX and the credit reporting agencies have reported this alleged debt without a permissible purpose under FCRA 1681b. I have no contract or obligation with XXXX XXXX XXXX, and therefore, they have no legal basis to access or report information about my credit. 
5. Material Harm Caused : These unlawful actions have caused significant material harm, including : Denial of credit opportunities, such as [ specific loan, mortgage, etc. ].

Increased interest rates on current or future credit accounts.

Damage to my credit score.

Emotional distress caused by the reporting of false and misleading information.

Legal Violations Involved : FDCPA ( 15 U.S.C. 1692g ) : Failure to validate the debt upon request. 
FDCPA ( 15 U.S.C. 1692e ) : Prohibition against false or misleading representations.

FDCPA ( 15 U.S.C. 1692d ) : Prohibition against harassment or abuse.

FCRA ( 15 U.S.C. 1681b ) : Furnishing consumer reports only for permissible purposes.

FCRA ( 15 U.S.C. 1681i ) : Obligation to investigate and delete unverifiable or inaccurate information.

FCRA ( 15 U.S.C. 1681s-2 ) : Obligation to provide accurate information and investigate disputes.

Resolution Sought : I request the following actions to resolve this matter : 1. Immediate removal of the alleged debt and all related adverse transaction information from my credit report. 
2. Proof of validation of the alleged debt, including : A signed contract or other legal proof of the debt. 
Documentation showing that the debt was legally assigned to XXXX XXXX XXXX. 
3. Cease all collection activities if XXXX XXXX XXXX can not provide proper validation of the debt. 
4. A written statement from the credit reporting agencies confirming the removal of this adverse information.

5. Compensation of {$1000.00} for each violation of the FCRA committed by XXXX XXXX XXXX and the credit reporting agencies, as stipulated under 15 U.S.C. 1681n. 

Supporting Documentation : I have attached the following to support my complaint : Copies of my credit reports showing the disputed adverse information. 
Documentation of my request for validation of the alleged debt. 
Correspondence with XXXX XXXX XXXX and the credit reporting agencies regarding this matter. 

Request for Timeline and Compliance : Please resolve this issue within 30 days of receiving this complaint. Failure to comply will result in further complaints to the Federal Trade Commission ( FTC ), state attorneys general, or possible legal action.

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