Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX for Violations of Federal Debt Collection Laws To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX for multiple violations of federal consumer protection laws. Despite my numerous attempts to resolve the issues directly with XXXX XXXX, I have been met with noncompliance, lack of transparency, and repeated disregard for my rights as a consumer. Below, I detail the issues and specific violations of the law : Failure to Notify of Negative Credit Reporting XXXX XXXX reported a negative entry on my credit report without providing me prior notice as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 7 ). This law mandates that a creditor must notify a consumer within 30 days before furnishing negative information to a credit reporting agency. I was blindsided by this report and was never given an opportunity to dispute or address the alleged debt. 

Failure to Notify of the Debt and Denial of Opportunity to Dispute XXXX XXXX never notified me of this alleged debt or provided me with the opportunity to dispute it, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This omission violates my rights to receive proper notification and dispute the validity of the debt within 30 days of such notice.

Refusal to Provide Debt Verification I have repeatedly requested verification of the debt under the FDCPA, 15 U.S.C. 1692g ( b ). Specifically, I asked XXXX XXXX to provide the purchase agreement or original account details to substantiate the validity of the debt and confirm that it is indeed mine. XXXX XXXX has failed to comply with this request and has instead stated that the debt has been sold to another company. This refusal to verify the debt violates my right to obtain validation and raises concerns about their record-keeping practices. 

Failure to Provide Adequate Notice of Sale or Transfer XXXX XXXX indication that the debt has been sold to another company was given without proper notice or details about the new creditor. This violates my rights under the FDCPA, 15 U.S.C. 1692e ( 10 ), which prohibits deceptive practices, and the Truth in Lending Act ( TILA ), 15 U.S.C. 1641 ( g ), which requires creditors to notify consumers of the transfer of their debt within 30 days. 

Hindering My Ability to Resolve or Dispute the Debt XXXX XXXX actions have prevented me from resolving this issue in good faith. By failing to provide necessary documentation and notices, they have obstructed my ability to verify the debt or dispute its validity. This is a clear violation of consumer protection principles enshrined in both the FDCPA and FCRA. 

Steps Taken to Resolve the Issue : I requested validation of the debt from XXXX XXXX, but they failed to provide the necessary documentation. 

I asked for a copy of the purchase agreement to determine if the debt truly belongs to me, and this request was ignored. 

I attempted to address the reporting discrepancies on my credit report, but XXXX XXXX has been uncooperative in correcting or clarifying the 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