Consumer complaint received 2024-10-25 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: MN

Complaint narrative:
Subject : Request for Validation of Debt - XXXX XXXX  I am writing in response to an alleged debt associated with account number XXXX. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 

I DO NOT OWE THIS DEBT AND HAVE NO IDEA WHY THIS IS BEING REPORTED O MY CREDIT FILE. 

I dispute the validity of this debt and am immediately requesting that you provide the following information : 1. The ORIGINAL CONTRACT and ORIGINAL PURCHASE AGREEMENT with original creditor WITH MY SIGNATURE attached.

2. The PAYMENT HISTORY with the original creditor.

3. I am also requesting a copy of a PROOF OF DEBT ASSIGNMENT.

If you are unable to provide proof of my requests, then the erroneous information MUST be removed within 30 days.

ALSO provide me with the following pertinent information ; 1. Verification of the original creditor and the full amount owed.

2. Detailed accounting of the debt, including any fees, interest, or charges added.

3. Proof that you are licensed to collect debts in [ Your State ]. 
XXXX. Documentation proving that the statute of limitations on this debt has not expired. 
XXXX. Any agreements or contracts signed by me obligating me to pay this alleged debt. 

Please note that until the validity of this debt is verified, I demand that you cease all collection activities, INCLUDING REPORTING TO CREDIT BUREAUS. 

According to UCC Article 9-210. Your agency has violated my consumer rights.

( a ) [ Definitions. ] In this section : ( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).

( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.

If Your agency is having a tough time understanding the law, my " request for accounting " means the request for an accounting that you provided me must be signed by someone, under the authority in order to VALIDATE/VERIFY, the information in the instrument ; this is the meaning of what a " record authenticated means ''. A RECORD can not be authenticated without be signed someone under authority ; therefore, you have not supplied me with adequate information and because it's been over 30 days since I've made my request you've violated the Fair Credit Reporting Act ( FCRA ) by reporting INVALIDATED information! 

If you can't send me an actual ORIGINAL contract with my signature on it ( which you can't ), you have no business furnishing this inaccurate information and not only have violated my right to privacy, but you've violated various statuses of BOTH the Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting Act ( FCRA ) which I have not placed my focus on.

Pursuant to the Fair Debt Collection Practices Act or 15 USC 1692g, more specifically 15 USC 1692a - Definitions, debt is defined as follows : ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

This is an ALLEGED debt that I do NOT owe.

Pursuant to 15 USC 1692g, I have the right to verify a debt, and this is an ALLEGED debt that I do NOT owe, therefore : this INACCURATE information needs to be DELETED from all consumer reporting agencies.

Under 15 USC 1681n and 15 USC 1681o, I am permitted to seek damages as this erroneous account is hindering my ability to have access to fair and available financing options for myself and my family.

Furthermore, I assert my rights under the FDCPA and request that all further communication regarding this matter be conducted in writing only.

Please respond to this request within 30 days of receiving this letter. Failure to provide validation of the debt will result in legal assumption that this debt is invalid, and all collection activities must cease.

Thank you for your prompt attention to this matter.

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