Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a notification of a collection account being added to my credit profile. This is a collection that I have no knowledge of, from a company that has failed to properly notify me prior to its reporting and therefore negatively impacting my score. 
Creditor Name : XXXX  Companies Amount : {$1100.00} Date Reported : XX/XX/XXXX I contacted the credit bureaus to inform them of the malpractice and failure of XXXX to provide me with the required information prior to the unverified account reporting. After disputing this account, Experian, XXXX  and XXXX, failed to properly investigate and delete this account for this violation. 
According to FDCPA, 15 U.S. Code 1692g Validation of debts- Debt collectors are required by federal law to send notification of a debt and my right to dispute it BEFORE it appears on my credit report.

Under 1692g ( a ) of the FDCPA, a debt collector must provide a written validation notice within five days after contact. This notice must include : The amount of the debt ; The name of the creditor ; A statement that you have 30 days to dispute the validity of the debt ; A statement that if you dispute the debt in writing within 30 days, the collector must verify the debt and mail you the verification ; A statement that upon request, the debt collector must provide the name and address of the original creditor ( if different ).

XXXX FAILED to adhere to this law and if they would like to counter this, I am requesting that they reply with said proof of that letter being sent and delivered with dates and all verified information required within my attached VOD letter. This I am sure they can not do, so I am requesting for the second time that this debt be DELETED. 
Starting XX/XX/XXXX, under the CFPB 's Debt Collection Rule ( Regulation F ) which implements the FDCPA : Debt collectors are not allowed to report a debt to a credit reporting agency unless theyve first contacted the consumer and waited at least 14 days. 
This means : A collector can not legally place a debt on my credit report before sending me the validation notice. 
I must be given an opportunity to dispute or request verification. 
I have requested for verification of the debt, in addition to bureaus to properly investigate and they have failed to provide a proper resolution in deletion. For this violation I now have grounds as a consumer to sue XXXX for this violation. According to the FCRA, credit agencies have the responsibility to delete unverifiable information so there should be no reason why this account remains on my credit report. If agencies continue to allow for malpractice for the sake of financial gain, because this seems to be a matter more of money than my consumer rights, I also have the right to sue you for damages. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes if necessary. I look forward to your response.

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