Consumer complaint received 2025-01-28 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:
In late XXXX, this agency was notified that the following reports on my credit file were inaccurate due to the collector 's refusal or failure to properly validate the original creditor 's erroneous claim of debt in accordance with federal law FCRA 15 USC 1692 ( b ). The agency has not provided proof of full, detailed validation verifying accuracy of the debt nor have they removed the inaccurate report from my credit file. 

INACCURATE COLLECTION REPORTS I ) XXXX XXXX XXXX XXXX XXXX XXXX DEBT INVALID Due to lack of timely notification according to Georgia Code 44-7-33 ( b ) Georgia Code 44-7-33 states landlord can't keep security deposit for debt without notifying tenant by 30 days of vacate. I requested but didn't receive evidence of timely notification ( i.e. tracking # or date-stamped postage ). Landlord can type any date on letter/invoice, so it's not verifiable proof that I was notified. Please investigate and remove report if there is no evidence of timely mailing. 


II ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Collector refused or failed to validate this debt by providing a complete packet of validation documents as mandated by FCRA 15 USC 1962 ( g ) On XX/XX/XXXXXXXX XXXX  ( 6 months ago ), Pursuant to 15 U.S.C. 1692 ( g ), I requested that the collector XXXX XXXX XXXX provide a full and thorough validation of the debt claimed by the original creditor XXXX XXXX. They only provided invoice/lease but no proof of timely notification of debt, no paid work receipts. Collector refused consumer 's call yesterday. This grossly violates my consumer rights. Please provide full, legal validation or remove this report. 

Please provide third-party evidence of timely notification of debt to the consumer, via courier service, shipment tracking number, signed delivery receipt, or date stamped postage, showing it was received by the consumer within 30 days of vacating the premises. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file.

Please provide full detailed billing and payment histories of rent and utility including dates, usages, amounts, and parties involved in each transaction. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file. 

Please provide clear, date stamped photographic or video evidence in color of any damages beyond normal wear and tear that are claimed to have been caused by the tenant, along with fully itemized and date stamped repair work receipts. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file.

Please provide a list of any insurance claims that have been made regarding this debt, including dates and amounts, and any offsets that have been applied to the balance. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file. 

Please provide documentation showing the collector 's chain of title for this debt, demonstrating that the collector has the legal right to collect this debt, including any assignments or transfers. Without this form of validation, Georgia Code 44-7-33 states that the debt is invalid and must be removed from my credit file.

The FDCPA requires debt collectors to provide verification of the debt within five days of the initial communication. Failure to provide this information means the collector is not legally allowed to collect the debt, nor report it to credit agencies as it would be considered inaccurate and unverified reporting, which is a violation of the law. 

Please be advised that it is illegal to report or continue to report a debt on a consumer 's credit file without proper validation. Should you be unable to provide the required validation mandated by law, you are required to remove the debt from all credit files. 

I am requesting prompt attention to this urgent matter, written acknowledgement of receipt of this dispute, and written resolution within the time allowed by law or immediate removal of this report from my credit 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