Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, CT XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my formal debt validation request sent on XX/XX/XXXX, XXXX XXXX XXXX  has failed to respond to my dispute, verify the debt, or correct the inaccuracies reported on my credit reports. 
1. Failure to Respond to Debt Validation Request Within 30 Days ( 15 U.S.C. 1692g ( b ) ) On XX/XX/XXXX, I sent a debt validation request to XXXX XXXX XXXX  under the FDCPA ( 15 U.S.C. 1692g ), which requires them to validate the debt within 30 days of receiving the request. However, XXXX XXXX XXXX  has failed to respond to my request within the legal timeframe. As a result, the XXXX XXXX XXXX debt is still listed on my credit reports, despite my valid dispute. This constitutes a violation of 15 U.S.C. 1692g ( b ), which requires debt collectors to cease collection efforts until the debt is validated. 
2. Failure to Investigate and Correct Inaccurate Credit Reporting ( 15 U.S.C. 1681i ( a ) ) The FCRA ( 15 U.S.C. 1681i ( a ) ) requires credit reporting agencies to investigate and correct any inaccuracies within 30 days of receiving a dispute. Despite notifying Experian and XXXX of the disputed debt, the XXXX XXXX XXXX  debt continues to appear on my credit reports from both agencies without correction. The reports contain inaccuracies such as : o Incorrect balance : The reported balance of {$510.00} is in dispute. 
o Misreported payment statuses : The payment status of the account is incorrectly reported. 
o Inaccurate dates of delinquency : The reported date of last activity is XX/XX/XXXX, which may not reflect accurate information. 
XXXX XXXX XXXX has not provided any verification or evidence that I owe this debt, violating my rights under the FCRA. They are also responsible for ensuring that the information reported to the credit bureaus is accurate and complete, per 15 U.S.C. 1681e ( b ).

3. Failure to Cease Collection Activities ( 15 U.S.C. 1692g ( b ) ) As per 15 U.S.C. 1692g ( b ), once a debt is disputed, the debt collector must cease all collection activities until they provide validation. Despite my request for validation and notification of the dispute, XXXX XXXX XXXX has continued to report the debt to Experian and XXXX, violating the FDCPA by continuing collection activities without providing validation. 
4. Failure to Provide Documentation Used to Verify the Debt ( 15 U.S.C. 1681g ) Under 15 U.S.C. 1681g, I have the right to request the documents that Experian used to verify the debt reported by XXXX XXXX XXXX I requested these documents as part of my dispute, but to date, I have not received any verification from XXXX XXXX XXXX  or Experian. Their failure to provide me with proof of the debt is a clear violation of both the FCRA and FDCPA. 

Due to the negligent and unlawful actions oXXXX XXXX XXXX XXXX, I have suffered financial and emotional distress, including damage to my credit score, denial of credit opportunities, and undue stress caused by their failure to correct inaccurate information.

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