Consumer complaint received 2024-09-20 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: CA

Complaint narrative:
I am writing to file a formal complaint against regarding Experian 's inaccuracy of info and debt collectors, XXXX XXXX and XXXX XXXX, on how they handled the debt collection that I previously disputed.These collection agencies are reporting a debt which was previously removed from my credit report following a successful dispute. However, the debt was reinserted without proper notification, which appears to be in violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Experian 's inaccuracy of info has been taking a toll on me out because one day I see that Im finally setting goals and reaching a fair score to waking up the next day and seeing that Im down points. Without Experian giving me proper information as to why I got to that score and seeing what was once removed collections, back into the account they have not been providing validated information and as I mentioned, inaccuracy. I have a list below to show what was violated.

Violations of FCRA : 1. Reinsertion Without Notification : Under Section 611 ( a ) ( 5 ) ( B ) of the FCRA, if a debt is reinserted after being removed due to a dispute, I am entitled to receive a written notification within 5 business days. I did not receive any notification of the reinsertion, which is a clear violation of this requirement.

2. Failure to Conduct a Proper Investigation : The FCRA requires collection agencies to perform a reasonable investigation when a debt is disputed. has not provided verified evidence to support the legitimacy of this debt after it was reinserted, which violates the investigative requirements under the FCRA.

Violations of FDCPA : 1. Failure to Validate Debt : Under Section 809 ( b ) of the FDCPA, a collection agency is required to provide debt validation upon request. Despite the reinsertion of this debt, I have not received any documentation or proof validating the debt.

2. Continued Collection Attempts After Dispute : Section 807 of the FDCPA prohibits collection attempts on disputed debts unless validation is provided. The collection agency has continued reporting this debt without proper validation, which is a further violation.

3. False Representation : The collection agencys actions in reporting this disputed debt without providing evidence may also violate Section 807 of the FDCPA, as it involves misleading or deceptive practices.

My Rights Under Federal Law : As a consumer, I have the right to dispute a debt and request validation, and I am entitled to accurate credit reporting under the FCRA. The collection agencys failure to comply with these regulations has caused harm to my credit report and financial standing.

I respectfully request the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX  and XXXX XXXX XXXX complies with both the FCRA and FDCPA. I would also appreciate any assistance the CFPB can provide in ensuring that my credit report is corrected, and that this matter is resolved. 

I can provide any additional information or documentation necessary to support my complaint. Thank you for your time and 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