Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX To : Experian XXXX : Consumer Dispute Division Subject : Request for Validation of Debt - Account Number XXXX Dear Experian, I trust this correspondence finds you in good health. I am writing to formally contest the collection account referenced above currently listed on my credit report. The account was originally initiated with XXXX XXXX and is reported under the XXXX collection agency, with a balance of {$1800.00} and an original balance of {$1900.00}. According to my records, this account does not accurately depict my credit history, and I am seeking validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

To resolve this matter, I am specifically requesting the following : 1. **Creditor Confirmation** : Verification that CONSERVE is indeed the rightful creditor for this account and possesses the authority to collect the debt. Documentation such as the original loan agreement or transfer documents would be instrumental in clarifying this matter. 

2. **Account Details** : A comprehensive account statement, including the payment history and all relevant documentation substantiating the legitimacy of this debt. Detailed information about each payment made and any supporting paperwork is essential for a proper assessment.

3. **Transfer Validation** : Evidence that the debt was duly transferred or sold to CONSERVE, including any records that confirm this. Information such as the transfer date and supporting legal documentation will help verify the process.

4. **Breakdown of Fees** : A detailed breakdown of any fees or additional charges applied to this debt, along with an explanation of how these amounts were calculated. This is crucial for understanding the total amount claimed and for resolving any discrepancies.

5. **Statute of Limitations** : Clarification of the statute of limitations applicable to this debt to ascertain its legal enforceability.

6. **Communication Records** : Provision of any communication records related to this account, including letters, emails, or phone call logs. Access to this information is necessary for reviewing all interactions and ensuring compliance with relevant regulations.

Under the Fair Credit Reporting Act ( FCRA ), you are required to provide this information within 30 days of receiving this letter. However, considering the importance of this dispute, I urge you to expedite your review process to provide a thorough response within 10 days.

If you are unable to validate the debt, I demand its removal from my credit report, as unverified debts violate FCRA regulations. Please address your response electronically to the email address provided above for faster processing. 

Thank you for your prompt attention to this serious issue. I look forward to receiving a comprehensive response and working towards a resolution. 


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