Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX Last XXXX SS # XXXX XXXX XX/XX/year> XXXX, Experian, and XXXX XXXX : Debt Validation was requested on all the these accounts with some being the same creditors and XXXX to fours others. The credit bureaus as yet and still is not sending me what I have been requesting. Experian sent me an email and others are saying and coming back verified. Its not verified if they are not properly investigated and sending me the information that I am entitled and requesting. Rather if I did the work myself or hired someone on my behalf they should should send me the information that I have been requesting in my debt validation. I believe if they are not sending me the things that I am requesting that they are upholding my rights due to the Fair Credit Act.

I requested a formal debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). I am still requesting the debt validation of the debt or debts that all these creditors below are claiming I owe them. I never had no relationship with any of these Creditors or companies. I disputed these debt several times over the past several months maybe know going on years and always coming back as only verified and not sending me the information below that I am requesting. With that being said, I requested the creditor to send me the information and the credit bureaus will send most of the time nothing or verified or updated. I would need all three Credit bureaus to comply and do proper investigation in the debt validation that I have requested in the past. I am requesting/or have requested and need competent evidence that the job has been investigated properly and in a timely matter.

Specifically, I requested that they provide me with the following information on this debt validation : * **Proof of the original agreement with my original signature that I have signed and dated : ** A copy of the original contract or agreement that created of the alleged debt, including all terms and conditions.

* **Complete accounting of the debt : ** A detailed accounting of how the debt reached the current amount, including the principal, interest, the fees, and any payments made throughout the whole period of time of the account being active. A company of the last bill is note validation.

* **Verification of all there rights that they are licensed and legit to collect on the alleged debt they are claiming I owe : ** Documentation proving that they are even authorized to collect this debt, such as an assignment of the debt or proof that you own the debt. 
* **Name and address of the original creditor and the actual amount claiming I original owe : ** If you are a debt collector, please provide the name and address of all the original creditor. 

Please provide all the information in the debt validation that I am requesting within 30 days of the date of this letter. Until then in such time as you provide me with the requested debt validation, I asked that all collections activities must be cease and desist. This includes any reporting to credit bureaus and this still has not done. If a valid debt validation can not be properly done and all information is sent to me that I am requesting I ask that all three credit bureaus remove and delete from my credit reports. Please find below the creditors information with the account numbers and the amount they are claiming I owe them : please note its a total of XXXX account numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount {$1500.00} Thank you for your time in consideration in reviewing this issues and understanding my concerns If you need any further information please feel free to email me at XXXX Or call if allowed to XXXX Sincerely, 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