Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am filing this complaint because several accounts listed on my credit report involve unverified or inaccurate information. Despite sending certified mail to request validation of these debts, I have not received a proper response. These actions violate my rights under federal laws, including 15 U.S.C. 1681b, 15 U.S.C. 6802, and 12 U.S.C. 6802, which regulate the proper handling of consumer information and debt collection practices. 

Below are the accounts and specific issues : The Guarantors ( XXXX XXXX XXXX ) : Balance : {$2200.00} Issue : On XX/XX/XXXX, I sent a certified debt validation request ( USPS Tracking # XXXX ), which was delivered between XX/XX/XXXX. I have not received a response. The collection agency has failed to prove ownership of the debt or provide supporting documentation, violating my rights under the FDCPA and FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Balance : {$1200.00} Issue : I do not recognize this debt nor the collection agency managing it. Despite sending a certified validation request, I have received no response. This lack of response and continued reporting violates 15 U.S.C. 1681b regarding permissible purposes for sharing consumer information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$260.00} Issue : I do not recognize this account, which has been inaccurately marked under " fraud. '' I sent a certified debt validation request on XX/XX/XXXX, but the collection agency has not provided any documentation or proof of this debt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Balance : {$1000.00} Issue : This account has been reported by XXXX XXXX XXXX without proper validation. Despite a certified mail request sent on XX/XX/XXXX, no response or documentation has been provided. This violates 12 U.S.C. 6802, which governs the sharing of consumer financial information without proper consent or verification. 
XXXX XXXX : Balance : {$2300.00} Issue : The original creditor is reporting this debt as charged off. However, I have no knowledge of this account. My certified mail request for validation has not been answered. 
XXXX XXXX XXXX Balance : {$0.00} ( Charged Off ) Issue : This account has been sold to another lender, yet I have received no information about the new creditor. This creates an incomplete and unverifiable record on my credit report, violating my rights under 15 U.S.C. 1681b. 
Violations of Federal Laws Fair Debt Collection Practices Act ( FDCPA ) : Collection agencies are continuing to report and pursue debts without validating their claims, in violation of my rights under the FDCPA. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : Information has been shared with collection agencies without proper validation or permissible purpose.

Gramm-Leach-Bliley Act ( GLBA ) 12 U.S.C. 6802 : My financial information has been shared without my knowledge or consent, violating federal privacy protections. 



On XX/XX/XXXX, I sent a certified mail request for validation to the collection agency handling this account. The USPS tracking number for this request is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and it was confirmed delivered between XX/XX/XXXX. 

To date, I have not received a response or documentation validating this debt. As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), this failure to validate violates my consumer rights. I respectfully request that this account be removed immediately from my credit report.

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