Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian credit bureau Equifax credit bureau Subject : Dispute of Debt and Civil Liability for Negligence under California Civil Code Section 16810 Dear Experian, I am writing to formally dispute the debt referenced in your recent communication, with regard to the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I believe that your actions constitute negligence and non-compliance with the requirements under California Civil Code Section 16810. Specifically, I believe that you have violated the regulations surrounding debt collection and, as a result, may be subject to civil liability for your actions.

1. Failure to Provide Proper Documentation As per California law, I am entitled to receive clear, substantiated proof of the debt in question, including a full accounting of the amount owed and the history of the debts assignment. Despite multiple requests, I have not received sufficient documentation that clearly establishes your right to collect this debt.

2. Non-Compliance with Debt Collection Procedures Under Section 16810, debt collectors are required to follow specific guidelines regarding notice of assignment and the verification of the debt. To date, I have not received proper notification of any assignment or sale of the debt, nor have I been informed in writing about the specifics of the creditors identity. This failure to comply with these regulations is in direct violation of California law.

3. Negligence in Debt Collection Practices Your failure to adhere to the statutory guidelines has resulted in undue hardship, harassment, and potential financial damage to my personal and professional standing. The improper handling of my debt has exposed me to unnecessary risk and confusion. As such, I believe that your actions can be deemed negligent under the law, making you liable for civil penalties under California Civil Code Section 16810.

I request the following : Immediate suspension of any further collection efforts on this debt until the issues are resolved.

Provision of all relevant documentation proving your legal right to collect this debt and the chain of ownership from the original creditor.

Confirmation that you have complied with all applicable debt collection regulations, including notice requirements under California Civil Code Section 16810.

Please note that I am prepared to pursue all available legal remedies if this issue is not resolved promptly. I expect a response within 30 days from the date of this letter. 

Thank you for your prompt attention to this matter. I look forward to your cooperation. 

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