Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX. Failure to Validate Debts ( FDCPA Violations ) I have repeatedly requested that these debt collectors validate the debts they claim I owe. Specifically, I requested : A copy of the original signed contract or agreement that created the debt. 
Proof that the debt is associated with my legal name, XXXX XXXX XXXX, and correct address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Documentation demonstrating their legal authority to collect the debt, such as a bill of sale or assignment agreement from the original creditor. 

Only XXXX XXXX XXXX responded, but they addressed me as XXXX XXXX XXXX, which is NOT MY NAME. This raises serious concerns about the accuracy of their records and the legitimacy of the debt. None of the other debt collectors have responded to my validation requests, which violates 15 U.S.C. 1692g ( b ) of the FDCPA. 

Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court held that failing to correct inaccuracies after notification constitutes willful noncompliance with the law. The debt collectors failure to validate these debts and their continued use of an incorrect name raises similar concerns about willful and negligent violations of federal law. 

Incorrect Personal Information Several of these companies have reported debts to the credit bureaus under incorrect personal information, including : Wrong Name : XXXX XXXX XXXX instead of my legal name, XXXX XXXX XXXX. 
Wrong Addresses : Addresses other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This constitutes a violation of : 15 U.S.C. 1692e ( prohibiting the use of false or misleading information ).

15 U.S.C. 1681e ( b ) under the FCRA ( requiring maximum possible accuracy in credit reporting ). 

XXXX. In the XXXX case, the court emphasized that credit reporting agencies and furnishers of information must maintain accurate records to avoid causing harm to consumers. The reporting of incorrect names and addresses in my case reflects a similar failure. These inaccuracies could also suggest a mixed file issue, where information belonging to another individual is improperly merged into my credit file. 

Reporting Unverified Debts to Credit Bureaus Some of these debt collectors have reported unverified debts to the credit bureaus, despite my disputes. They have failed to provide proof that the debts are valid or mine, yet they continue to harm my credit by reporting inaccurate information.

This violates : 15 U.S.C. 1681s-2 ( b ) ( FCRA ) : Furnishers of credit information must investigate disputes and correct or delete inaccurate information. 
15 U.S.C. 1692e ( 8 ) ( FDCPA ) : Debt collectors can not communicate false credit information to third parties. 

The XXXX case also underscores that failure to investigate disputes and correct errors after notification is a serious violation of federal law. I allege that the debt collectors and credit reporting agencies in my case are engaged in similarly negligent and willful behavior.

Continued Collection Efforts Despite failing to validate the debts, these companies have continued their collection efforts, including reporting to credit bureaus and sending collection notices. 

This violates : 15 U.S.C. 1692g ( b ) : Debt collectors must cease all collection activities if a debt is disputed until validation is provided. 

The behavior of these companies mirrors the noncompliance addressed in XXXX XXXX  Experian Information Solutions , Inc., where the court held companies accountable for failing to investigate and correct errors. By continuing to pursue collection activities without validation, these companies are acting unlawfully and causing additional harm.

Company response to consumer: Closed with explanation