Consumer complaint received 2024-09-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the XXXX XXXX XXXX account ( Account Number : XXXX reported on my credit report. There is a significant discrepancy between my credit reports from Experian and XXXX : Experian is reporting the collection as a potential negative account for XX/XX/XXXX only. 
XXXX is reporting the collection for both XXXX and XX/XX/XXXX. 

Both reports show {$950.00} as past due, followed by {$950.00} being written off, which is not only inconsistent but also inaccurate. A debt can not simultaneously be past due and written off, as these two statuses are mutually exclusive.

This inconsistency raises serious concerns about the accuracy and verification of the information being reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Uniform Commercial Code ( UCC ), I previously requested validation of this debt, including the details of all communications regarding this account, such as dates and parties involved. To date, I have not received proper documentation to substantiate these reports. 

In addition, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692k, any continued reporting or communication about this debt without proper validation is unlawful. I hereby request the following : 1. Immediate debt validation under UCC 3-501, including documentation on who was contacted and the dates of communication, along with any supporting documents to verify the debt.

2. Proof of verification under the FCRA. If you are unable to provide this, I demand the immediate removal or correction of the inaccurate information on my credit file.

Furthermore, I am issuing a cease and desist notice to stop all further communication regarding this debt. This includes any communication between debt collectors and creditors unless it involves providing the documentation requested. Continued communication in the absence of validation will be considered a violation of my rights under the FDCPA and FCRA, for which I reserve the right to pursue civil action as outlined in 15 U.S.C. 1692k.

Further, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to demand that all further communication regarding this debt cease immediately. No further communication should take place unless it pertains specifically to providing the requested validation. Continued communication or collection attempts without proper debt validation is a violation of my rights under the FDCPA. 

Continued collection efforts or communication without the proper validation and verification of this debt will be considered a violation of 15 U.S.C. 1692c ( c ) and 15 U.S.C. 1692k, and I reserve the right to pursue civil remedies as outlined by law. Any further violation of my rights will result in legal action, as I am prepared to enforce my rights under federal law. 

Please treat this as a formal notice, and cease any further collection activities until the requested validation is provided. 

Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX

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