Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Several FDCPA have occurred between this company and their assignee over the last 3 months : XXXX. Consent and permission was never given to contact and communicate with any third party regarding this debt and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated this by making contact and discussing this matter with family members. 

XXXX. A debt collector must provide a written notice within XXXX days after its initial communication ( or in the initial communication ) including : a ) the amount of the debt, b ) the name of the creditor to whom the debt is owed, c ) a statement that unless you, within 30 days after receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt collector will assume the debt is valid- the date on the notice was XX/XX/XXXX, both companies received a dispute on XXXX and XXXX via signature confirmation and certified mail respectively. 
d ) a statement that if you notify the debt collector in writing within the XXXX period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against you and a copy of such verification or judgment will be mailed to you - despite the dispute being received by both companies on XXXX and XXXX, there was never any response provided and or mailed. 
XXXX ) and a statement that, upon your written request within the XXXX period, the debt collector will provide you with the name and address of the original creditor, if different from the current creditor. 

XXXX. If you make a request in writing, the collection agency must stop communicating with you, other than to let you know that its ending communication, or it may ( or will ) sue you or use another legal remedy to collect the debt. XXXX XXXX XXXX XXXX XXXX never responded to the request and additionally without prior warning in their initial communication and subsequently, filed suit on XX/XX/XXXX. 

XXXX. In doing this, they have falsely represented the character, amount, or legal status of a disputed debt which considered harassing conduct under the FDCPA. 

XXXX. Lastly, in more harassing conduct, they are still attempting to collecting fees or charges the collector is not entitled to collect under the agreement creating the disputed debt. In their suit complaint, XXXX XXXX XXXX XXXX has included numerous fees, court costs and interest yet contradictorily provided a statement clearly detailing the terms of the payment agreement due on XX/XX/XXXX that was broken by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Additionally, on XX/XX/XXXX, XXXX XXXX XXXX XXXX further acknowledges the validity of this agreement in their response to a prior CFPB complaint stating that they " have forwarding your concerns to our client as we believe XXXX will be better suited to handle this matter ''. Despite this, as of today XX/XX/XXXX, their suit remains open.

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