Consumer complaint received 2024-10-02 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: GA

Complaint narrative:
On XXXX of XXXX I purchased my first home with XXXX XXXX XXXX XXXX  XXXX. They then were bought out and sold to XXXX XXXX. On XX/XX/XXXX I sold my house which it was paid in full. My issue with this company is that it is still being reported to my credit reoprt and with a late payment that was taken off. Once something is removed it us unlawful to put it back on. Which my rights were then violated again. Under the FDCPA I have sent many letters via mail that served as formal notice that you must cease and desist all collection activities related to the alleged debt referenced in your communications with me. Their actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., which governs the conduct of debt collectors and protects consumers from abusive and unfair practices. False or Misleading Representations ( 15 U.S.C. 1692e ) : You have made false statements regarding the debt, including [ specific false statements ]. Such deceptive practices are strictly prohibited under the FDCPA. They have also Failure to Validate the Debt ( 15 U.S.C. 1692g ) : Despite my request for validation of the debt, they have failed to provide the required verification. 
The FDCPA mandates that, upon a consumers request, the debt collector must cease collection efforts until proper validation is provided. There story has been inconsistent with reporting to the credit reporting. They kept chaining dates which has affected my credit score tremedously. 

I am demanding this XXXX XXXX of XXXX I purchased my first home with XXXX XXXX XXXXXXXX XXXX XXXX. They then were bought out and sold to XXXX XXXX. On XX/XX/XXXX I sold my house which it was paid in full. My issue with this company is that it is still being reported to my credit reoprt and with a late payment that was taken off. Once something is removed it us unlawful to put it back on. Which my rights were then violated again. Under the FDCPA I have sent many letters via mail that served as formal notice that you must cease and desist all collection activities related to the alleged debt referenced in your communications with me. Their actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., which governs the conduct of debt collectors and protects consumers from abusive and unfair practices. False or Misleading Representations ( 15 U.S.C. 1692e ) : You have made false statements regarding the debt, including [ specific false statements ]. Such deceptive practices are strictly prohibited under the FDCPA. They have also Failure to Validate the Debt ( 15 U.S.C. 1692g ) : Despite my request for validation of the debt, they have failed to provide the required verification.

The FDCPA mandates that, upon a consumers request, the debt collector must cease collection efforts until proper validation is provided. There story has been inconsistent with reporting to the credit reporting. They kept chaining dates which has affected my credit score tremedously.

I am demanding this company to remove this account back off my credit report before I file a law suit with more proof and evidence since I am a lawful living recorded, and pushlished woman. This time I am not being nice. I have suffered enough from this.pany to remove this account back off my credit report before I file a law suit with more proof and evidence since I am a lawful living recorded, and pushlished woman. This time I am not being nice. I have suffered enough from this.

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