Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On or about XX/XX/XXXX. A Dispute on Experian had been submitted against a collections account. Experian failed to properly investigate the problem. 

( XXXX XXXX XXXX XXXXXXXX, WA XXXX ) ( Date Opened XX/XX/XXXX. ) for a past due balance of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX. ( {$10000.00}. ) ( Account XXXX # : XXXX ) the dispute was Un-Resolved and did not meet lawful conduction and expectation. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ) If this account has been verified as accurate, I need to see ( XXXX XXXX XXXX located at XXXX, WA XXXX ) Methods of Verification and how they are reporting and demanding a collection with a past due balance of {$10000.00}. If they can not provide such information. ( See, Contract Law. ) I demand this be deleted and corrected on my credit report ( s ) immediately. Also, pursuant to 18 USC 8. I owe no debt. This company ( XXXX XXXX XXXX located at XXXX, WA XXXX ) is in violation of my consumer rights and privacy pursuant to 15 USC 1681b 2. ( XXXX XXXX XXXX ) also has no permission to report ANYTHING using my information pursuant to 15 USC 1681 4. ( Also See, 15 USC 1692c, 15 USC 1692g and 15 USC 1681e ( b ). Specially I'm requesting the following information. 1. ) " Proof of the original debt. '' Please provide the original creditors purchase agreement or E-document that substantiates the debt. This should include a detailed account of the original amount, the date of the original transaction, and the specific goods or services for which '' the debt was incurred. 2. ) " Verification of Your Legal Right to Collect : *Please provide a copy of the assignment or transfer of the debt, including any supporting documentation that shows you have the legal right to collect this debt. 3. ) *Details of the Original Creditor : * Please provide the name and contact information of the original creditor, including any relevant account numbers. 4. ) *Itemized Accounting of the Debt : * I request a complete breakdown of all amounts currently being claimed, including any fees, interest, or other charges. Until ( XXXX XXXX XXXX located at XXXX, WA XXXX ) provides the requested validation, I will not make any payments or acknowledge the legitimacy of this debt. Furthermore, ( XXXX XXXX XXXX located at XXXX, WA XXXX ) is Prohibited from reporting this " debt/collection '' to any credit reporting agency until it has been verified correctly. Please be advised that if this debt can not be validated or if ( XXXX XXXX XXXX located at XXXX, WA XXXX ) continues to pursue collection without proper validation, I will consider it a violation of the FDCPA and take appropriate legal action. Thank you CFPB for your 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