Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/year> I sent a complaint via CFPB regarding XXXX XXXX violating my rights and not contacting me and giving me the proper notice and time allowed to dispute the alleged debt prior to reporting to my credit profile. I requested the following information : 1.The tracking number from the notice with my signature upon delivery, confirming that I was made aware of this debt and given the opportunity to dispute it within 5 days of initial communication pursuant to 12 CFR 1006.34 Notice for validation of debts.

2. The purchase agreement between the original creditor and the collection agency.

3. Proof that youre licensed and authorized to collect on the alleged debt.

4. Agreement that bears my signature where Ive promised to pay.

5. Was the alleged debt assigned to a debt collector or was it purchased? 

Since I don't have a contract with XXXX XXXX, they failed to provide me the requested documentation. However, they instead chose to violate my rights further and harass me via email requesting payment on an unverified/unvalidated alleged debt! They also continue to report this to my credit files which has caused my credit score to drop significantly and has caused unnecessary stress while depriving me of my rights. I feel as though this effort to attempt to collect, is a direct retaliation for my complaint to the CFPB. 

XXXX XXXX is blatantly abusing my consumer rights under the supervision of the cfpb, by not providing the requested documentation, but continuing to communicate attempts to collect on this debt. 

I am not liable for this debt, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested. I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX which I just learned of AFTER my cfbp complaint and your attempt to collect which provided me with this account information. regarding my purported overdue balance of {$2000.00} allegedly owed to XXXX XXXX. Upon receiving your communication, I was taken aback by your attempt to collect this debt via email. It has come to my attention that this action violates the Fair Debt Collection Practices Act ( FDCPA ), specifically Secttion 805 ( 2 ) ( b ), which prohibits debt collectors from communicating with consumers through means known or should be known to be inconvenient. Email communication for debt collection purposes falls under this category, as it is intrusive and lacks the necessary privacy afforded by other forms of communication. Your attempt to collect a debt via email has caused me undue distress and is a clear violation of my rights as a consumer under federal law. Therefore, I am herebuy demanding the following remedies for the damages incurred:1. Immeidiate Cease of reporting this alleged debt to any Credit Reporting Agency 2. Immeidiate cessation of all further communication regarding the alleged debt via email or other means of communication.

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 non-monetary relief