Consumer complaint received 2024-11-09 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: FL

Complaint narrative:
Formal Complaint Request for Debt Verification and Dispute Resolution Complaint Reference : XXXX XXXX, CFPB Case # XXXX Account Number : XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Servicer : XXXX XXXX XXXX XXXX XXXX 

To Whom It May Concern, I am filing a formal complaint regarding the failure of XXXX XXXX XXXX XXXX to properly verify a debt on my credit report and provide adequate documentation to support the claim made by XXXX XXXX XXXX, the current owner of the debt. Despite multiple attempts to resolve this issue and previous requests for debt verification, I have not received any documentation that meets the legal requirements outlined by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Here are the specific details of my complaint : XXXX. Inaccurate Debt Reporting : The debt in question, account number XXXX, is reported as originating from XXXX XXXX, charged off on XX/XX/year>, and currently owned by XXXX XXXX XXXX. However, I have repeatedly requested verification of this debt, including the original signed contract, a Bill of Sale confirming the debts transfer, and proof that XXXX XXXX XXXX XXXX is authorized to collect on the debt. Despite several requests, I have not received any of this documentation. 
XXXX. Failure to Provide Documentation : In response to my requests, XXXX XXXX XXXX XXXX has only provided a general account summary and balance, with no proof or legal documentation validating the debt. This failure to provide proper verification is a violation of 15 U.S.C. 1692 ( g ) of the FDCPA, which requires that debt collectors provide a complete validation of the debt upon request. 
XXXX. Violation of Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to ensure that any information reported is accurate and verifiable. As XXXX has failed to validate this debt, the information remains inaccurate and should be removed from my credit report. Additionally, XXXX XXXX XXXX has failed to provide the necessary documentation to establish their legal right to collect and report this debt. 
XXXX. Request for Immediate Removal of Debt : Given that no proof of this debt has been provided and the information continues to be reported inaccurately, I am requesting that this alleged debt be immediately removed from my credit report and from any other credit reporting agencys records. 

I have already sent a formal letter to XXXX XXXX XXXX XXXX outlining these concerns, but as of today, no satisfactory response has been received. I am requesting that the CFPB intervene in this matter to ensure that my rights are protected under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I kindly ask that you assist in resolving this matter, ensuring that XXXX XXXX XXXX XXXX provides the required documentation or removes the inaccurate information from my credit report. 

Thank you for your attention to this matter. I look forward to your assistance. 

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 non-monetary relief