Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this formal complaint regarding XXXX XXXX XXXX and its inaccurate reporting on my credit file. Specifically, I have noticed an alleged debt on my credit report that I do not recognize, and despite my attempts to resolve this matter, XXXX XXXX XXXX has failed to provide sufficient documentation or validation for this account. The continued reporting of this unverified debt is causing significant harm to my creditworthiness. 
Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute and request the verification of any information on my credit report. It is the responsibility of the credit reporting agency and debt collectors like XXXX XXXX XXXX to ensure the accuracy and validity of the information they report. XXXX XXXX XXXX has failed to provide clear documentation proving the legitimacy of this alleged debt, and as such, it continues to be reported without proper verification.

Additionally, under FCRA Section 1681e ( b ), all consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in consumer credit reports. The failure to verify the accuracy of this debt and the continued reporting of the account without adequate validation is a direct violation of my consumer rights under this statute. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors are required to provide verification of the debt upon request. I have requested validation of the alleged debt from XXXX XXXX XXXX but have not received any documentation that proves the debts validity or its association with my financial history. This lack of response and failure to provide verification violates the FDCPAs requirements for debt validation. 

As a result, the continued reporting of this unverified debt is a violation of my rights under both the FCRA and the FDCPA. The unsubstantiated debt is causing harm to my credit profile, and I request immediate action to resolve this matter. 

Resolution Requested I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue thoroughly. Specifically, I seek the immediate removal of the disputed account from my credit report across all credit reporting agencies ( Experian, XXXX, and XXXX ) unless XXXX XXXX XXXX can provide valid documentation that properly verifies the debt. Additionally, I request that all collection activities related to this account cease until proper validation is provided in compliance with the law. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue and ensuring that my credit report is accurate and compliant with all relevant consumer protection laws.

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