Consumer complaint received 2024-11-18 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: IN

Complaint narrative:
Re : Ongoing Violations of the FCRA and Debt Validation Request for Account [ XXXX ] To Whom It May Concern, I am writing in response to your letter dated XX/XX/2024, regarding Complaint # XXXX. Despite your claims, your response fails to satisfy the requirements set forth by federal law, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Your failure to properly validate the debt and your ongoing reporting of this account constitute clear violations of my rights. 

1. Violations of the FCRA Under FCRA Section 604 ( a ), any company reporting or accessing consumer credit information must establish a permissible purpose. I demand that you provide documented evidence, such as my explicit written consent, showing that I authorized your company to report information to consumer reporting agencies.

Furthermore, FCRA Section 611 ( a ) mandates that any information reported must be accurate and complete. Your continued reporting of the tradeline after repossession and sale of the vehicle, combined with your admission of failing to remove incorrect information, indicates noncompliance. You must immediately cease all credit reporting activities until this matter is resolved in compliance with federal law.

2. Inadequate Debt Validation Per FDCPA Section 809 ( b ), I previously requested full validation of this alleged debt, including the following : Proof of ownership of the debt : Evidence that your company has the legal right to collect this debt.

Detailed accounting : A complete itemization of the debt, including principal, interest, fees, and charges.

Original agreement : A signed contract or agreement explicitly linking me to this alleged debt.

You have failed to provide sufficient validation. Sending pre-formatted letters and referencing generic account summaries does not satisfy the legal requirements for validation. I demand an immediate and detailed response, not a phone call.

3. Reporting of Sold Assets Your admission that the vehicle was sold at auction confirms that the original collateral securing this debt has been disposed of. Any further reporting of this debt, especially in its current state, is both misleading and inaccurate under FCRA Section 623 ( a ) ( 1 ).

Demands 1. Provide documented proof of permissible purpose, including my written consent for you to furnish information to the credit reporting agencies.

2. Cease and desist from all collection activities and credit reporting until the alleged debt has been properly validated in compliance with federal law.

3. Immediately remove all information reported to consumer reporting agencies.

4. Provide a full and detailed validation of the debt, including : A signed copy of the original contract.

A complete accounting of the debt.

Evidence of your legal right to collect.

Failure to comply with this demand will leave me with no choice but to escalate this matter further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing legal remedies.

This letter serves as official notice of my intent to hold your company fully accountable for violations of my rights under the FCRA and FDCPA. You are required to respond to this letter in writing with the requested documentation within 30 days of receipt mailed to the address you have on file.

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