Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Collection Account Under 15 U.S. Code 1681b, 15 U.S. Code 1666, and 15 U.S. Code 1681e ( b ) Re : Account Number : XXXX Collection Account : XXXX XXXX XXXX  XXXX Date of XXXX To Whom It May Concern : I am writing to dispute the accuracy of the information reported on my credit file in relation to the collection account listed under the account number # XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) and other relevant statutes, I am seeking the removal of this collection entry based on violations of 15 U.S. Code 1681b, 15 U.S. Code 1666, and 15 U.S. Code 1681e ( b ).

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : I assert that the reporting of this collection account violates 15 U.S. Code 1681b, as there is no permissible purpose for the inclusion of inaccurate information on my credit report. The reported collection is not accurate, timely, or verifiable, and it adversely affects my creditworthiness.

15 U.S. Code 1666 - Reasonable Procedures to Assure Accuracy : The presence of the collection account on my credit report indicates a failure on the part of the reporting entity to follow reasonable procedures to assure the accuracy of the reported information, as mandated by 15 U.S. Code 1666. I request that you investigate this matter promptly and remove the inaccurate information from my credit report. 

15 U.S. Code 1681e ( b ) - Timely Reinvestigation of Disputed Information : I am formally disputing the accuracy of the information contained in the collection account. I request that you conduct a timely reinvestigation, as stipulated by 15 U.S. Code 1681e ( b ), and provide me with the results of your investigation within the legally mandated time frame. 






Additionally, in keeping with the Fair Debt Collection Practices Act ( FDCPA ), which is a Federal Law as well as a state-specific regulation, the state of XXXX XXXX requires collection agencies to obtain licenses to collect in/for that state. Specifically for the state of XXXX XXXX, XXXX  XXXX XXXX XXXX is required to file a Collection Agency Bond application which they had not done. 
As per the XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, is not licensed to make collections for businesses within the state of XXXX XXXX. They are clearly in violation of Federal Law and by you allowing the fraudulent collection to remain on my report, you are in turn fostering Federal Law violations. 

Please find attached copies of documents supporting my dispute, including : A grab screen from the XXXX XXXX XXXX website showing that XXXX XXXX XXXX XXXX is not registered/licensed within the state of New Jersey to collect debts in/for that state. 
Original Dispute Request ( dated XX/XX/2024 ). 

I kindly request that you investigate this matter as soon as possible and remove this fraudulent collection from my credit report. 

Your prompt attention to this matter is essential in correcting the inaccuracies on my credit report. I appreciate your cooperation in resolving this dispute in accordance with federal law.

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