Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : XXXX XXXX XXXX : Unlawful Debt Collection and Reporting Practices with Misleading and Deceptive Communication Details : XXXX XXXX XXXX has committed multiple egregious violations of federal and state consumer protection laws, severely undermining my rights as a consumer. Their actions include but are not limited to : Failure to Provide Validation Information : XXXX XXXX XXXX reported a collection account on my credit report without providing the legally required validation information under 12 CFR 1006.34 ( b ) ( 5 ). Despite my formal request for verification, they failed to deliver any meaningful documentation to substantiate the debt. 

Failure to Provide Original Purchase Agreement : Despite multiple requests, XXXX XXXX XXXX has failed to furnish the original purchase agreement or assignment of the debt from the original landlord, violating 15 U.S.C. 1692g. 
Deceptive and Misleading Communication : When contacted, XXXX XXXX XXXX feigned ignorance of the debt, misleadingly claiming they were unaware of the account in question. This blatant attempt to mislead me is not only deceptive but also suggests intentional misconduct. Meanwhile, they continue to report inaccurate information on my credit report, falsely claiming compliance with federal and state laws. 

Additional Unfair Practices in Rental Debt Collection : They have not disclosed itemized charges or demonstrated that the fees and amounts are consistent with the original lease agreement. This lack of transparency violates 15 U.S.C. 1692f ( 1 ). 

Failure to Honor Dispute Rights : XXXX XXXX XXXX did not inform me of my right to dispute the debt as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), further violating my rights. 

Inaccurate Reporting Practices : XXXX XXXX XXXX knowingly furnished inaccurate information to consumer reporting agencies, violating both 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2. 

Unlawful Inquiry on My Credit Report : XXXX XXXX XXXX performed an unauthorized " soft pull '' on my credit report without a permissible purpose, directly violating the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b.

Statute of Limitations Violations : The debt they are attempting to collect is time-barred under Louisiana law XXXX where the statute of limitations for rental debt is three years. XXXX XXXX XXXX actions to collect and report this expired debt are both unlawful and unethical under the FDCPA. 

Failure to Comply with Licensing Requirements : XXXX XXXX XXXX has failed to demonstrate that they are licensed and bonded to operate in Louisiana as required by state regulations. 

Given the severity of these violations, I intend to escalate this matter with my attorney for further legal action. XXXX XXXX XXXX ' intentional use of deceptive practices and failure to comply with federal and state consumer protection laws can not be tolerated. Their attempt to mislead me, while simultaneously reporting false information on my credit report, demonstrates gross negligence and a complete disregard for their legal obligations. 

This matter requires immediate attention and resolution to avoid additional legal consequences.

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