Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of a debt allegedly associated with me that XXXX XXXX XXXX XXXX has reported to Experian, XXXX, and XXXX as of XX/XX/2024. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws to request full validation and verification of this debt. The following statutes support my request : FCRA 15 U.S.C. 1666b FCRA 15 U.S.C. 1601 FCRA 15 U.S.C. 1681b FCRA 15 U.S.C. 1692c FCRA 15 U.S.C. 1602p Additionally, in accordance with 15 U.S.C. 1681s-2, 15 U.S.C. 1681 ( 4 ), and 15 U.S.C. 1681 ( a ), I am requesting full verification of the legitimacy of this debt. Please provide the following documentation and information to substantiate the validity of this debt and your authority to collect it : 1. Debt Details Creditor Information : The name and address of the current creditor. 
Original Creditor Information : Documentation identifying the original creditor, including their contact information and the original amount owed at the time of transfer. 
Acquisition Details : The date XXXX XXXX XXXX XXXX acquired this debt, and the name of the entity from which it was acquired. 
Proof of Responsibility : Evidence of my legal responsibility for this debt, including a copy of the original credit agreement signed by me. 
Documentation of Transfer : If this debt was transferred, please provide documentation clarifying why I am now held responsible for it. 

2. Debt Amount and History Last Billing Statement : A copy of the last billing statement from First Progress. 
Debt Balance : The amount of the debt when it was assigned to XXXX XXXX XXXX XXXX, along with the exact acquisition date. 
Itemized List of Charges : An itemized list of any interest, fees, or charges added since acquisition, along with the applicable dates. 
Payment History : Documentation of any payments, credits, or reductions applied to this debt, including their respective dates and amounts. 
Adjustment Justifications : Any adjustments made since the last billing statement, along with their legal justifications. 
Delinquency and Payment Dates : The date this debt became delinquent and the date of the last payment made on the account. 
Statute of Limitations : Confirmation of whether this debt remains within the applicable statute of limitations, including its expiration date. 

3. 1099-C Issuance If this debt has been forgiven or canceled, please provide me with a Form 1099-C in compliance with IRS regulations. Failure to issue this form, if applicable, would be a violation of federal tax law. If the debt was sold rather than forgiven, I request documentation evidencing the sale and transfer of this debt to XXXX XXXX XXXX XXXX XXXX 

4. License to Collect in My State Please provide documentation of your legal authority to collect this debt within my state, including a valid collection license. I request a competent representatives signature, along with details of licensing, which confirm your authorization to operate in my jurisdiction. 

5. Correction of Credit Report Information I am also requesting the removal of any inaccurate or outdated information from my credit report, including old addresses, phone numbers, or incorrect profile data. I expect these updates to be reflected on my credit report within 15 business days of your receipt of this letter. 

If XXXX XXXX XXXX XXXX is unable to provide adequate validation and verification of this debt, I demand that all collection activities cease immediately. Furthermore, I expect you to notify Experian, XXXX, and XXXX to have this disputed debt removed from my credit report promptly. 

Thank you for your attention to this matter. I anticipate your timely response and resolution of this issue. Please note that I reserve all rights to pursue further legal action as necessary. 

Sincerely, XXXX 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 explanation