Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I demanded a proper investigation per my consumer rights to all XXXX  credit companies XXXX, XXXX and Experian on XX/XX/year> and the investigation was not completed and I was not given any information requested. By law after 30 days the information is to be removed from my credit and all three credit companies are now almost 3 months behind on doing so.The information on my credit report has caused me to become homeless and jobless and I will not wait another 30-60 days for them to do their job! Below is the information I requested from each Credit company as well as my rights that has been violated by each company. 

Subject : Request for Validation of Correct Information on Credit Report Dear Sir/Madam , I am writing to formally request validation and verification of certain information listed on my credit report. I have noticed some entries that may be inaccurate or unverifiable and would like to ensure that my credit report is correct and up to date in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Specifically, I am disputing the following entry on my credit report : - **Debt Collector 's Name** : [ Debt Collectors Name ] - **Account Number** : [ Account Number ] - **Amount** : [ Debt Amount ] - **Date** : [ Date of the entry on the credit report ] # # # Request for Validation Under the FDCPA ( 15 U.S.C. 1692g ), I am requesting that you validate the accuracy and legitimacy of the debt. This includes : 1. Verification of the debt from the original creditor.

2. A complete payment history, starting with the original creditor.

3. Copies of any documents that show I agreed to pay the debt.

# # # FDCPA Violations and Penalties It is important to note that under the FDCPA, debt collectors must adhere to certain practices and any violation of these laws can result in penalties. Here are some key FDCPA laws and the associated penalties for violations : 1. **False or Misleading Representations ( 15 U.S.C . 1692e ) ** : Prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. Violations can result in fines and statutory damages up to {$1000.00} per incident.

2. **Unfair Practices ( 15 U.S.C. 1692f ) ** : Prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. Penalties for violations include statutory damages up to {$1000.00} per incident.

3. **Validation of Debts ( 15 U.S.C . 1692g ) ** : Requires debt collectors to provide a validation notice within five days of the initial communication. Failure to provide proper validation can lead to statutory damages up to {$1000.00} per incident.

4. **Harassment or Abuse ( 15 U.S.C . 1692d ) ** : Prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. Violations can result in statutory damages up to {$1000.00} per incident.

5. **Communication in Connection with Debt Collection ( 15 U.S.C. 1692c ) ** : Restricts the times and places at which debt collectors can contact consumers and limits third-party communications. Violations can lead to statutory damages up to {$1000.00} per incident.

# # # Request for Investigation As per the FCRA ( 15 U.S.C. 1681i ), I am requesting that you conduct a thorough investigation into the accuracy of the disputed information. Please take the following actions : 1. Verify the disputed information with the creditor and provide me with the results of your investigation.

2. If the disputed information can not be verified, remove or correct the inaccurate information from my credit report.

3. Provide me with a written statement detailing the outcome of the investigation and any changes made to my credit report.

# # # Documentation I have enclosed copies of relevant documents to support my request, including : - A copy of my credit report with the disputed entry highlighted.

- Correspondence with the debt collector, if any.

- Any other relevant documents.

# # # Conclusion Please confirm in writing that you have received this request and that an investigation has been initiated. I look forward to your prompt response within the 30-day period as specified by the FCRA.

Thank you for your attention to this important matter.

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