Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX. Proof of Legal Authority to Collect Your company does not appear to have the legal right to collect on the debts in question. If you claim otherwise, I request the following : Proof of your legal authority to collect these debts. 
Documentation validating the debts, including the original creditor 's information and your right to collect on their behalf. 
Failure to provide this information is a direct violation of the FDCPA, which requires debt collectors to validate debts upon request. 
XXXX. Paid Debts Reporting Negatively Both debts in question have been paid in full. Despite this, they continue to appear negatively on my credit reports with XXXX and Experian. This inaccurate reporting violates my rights under the FCRA, which mandates accurate reporting of credit information. 
I request the following : Immediate removal of these accounts from all credit reports.

Written confirmation of the removal as a goodwill gesture, considering the debts are fully resolved.

3. Involvement of a Second Collection Agency I was contacted by another collection agency, XXXX claiming they were working on your behalf to collect the same debts. Upon contacting this agency, they confirmed they would no longer pursue the matter. 
I request clarification on the following : Why a second collection agency was involved. 
How this affects the status of the original debt and your companys involvement. 
This practice of involving multiple agencies for the same debt is deceptive and violates the FDCPA. 
XXXX. Complaints Filed with the CFPB and XXXX  I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( XXXX  ) regarding these issues. To date, your company has failed to comply with my requests, including : Providing proof of your right to collect these debts. 
Validating the debts as required by law. 
Correcting the inaccurate reporting of resolved debts. 
Stating that your company has not committed any violations Stating that you have been reporting information correctly Your continued failure to address these matters constitutes ongoing violations of the FCRA and FDCPA. 
XXXX. Legal Violations and Further Actions Under the FCRA and FDCPA, you are legally obligated to : Validate debts upon request. 
Cease collection efforts and promptly correct inaccurate reporting. 
Refrain from using deceptive practices, including the involvement of multiple collection agencies for the same debt. 
If you fail to resolve these matters within 30 days, I will escalate my complaints further, including pursuing legal action to protect my rights. 
XXXX. Inaccurate Payment History on Credit Reports The payment history and listing of these accounts on my credit reports are incorrect. Specifically : The accounts state " no data available '' since XX/XX/year>. 
Despite this, you continue to report them as negative accounts. 
XXXX. Tax Violation and 1099 Reporting Upon reviewing my records, I discovered that a 1099 was issued for the debts in question. This violates my rights because : If your company received a tax credit for these accounts, none of these debts should appear negatively on my credit report. 
Despite receiving the tax credit, you also involved another collection agency, XXXX, to demand payment. 
This is a major violation of my rights. I am requesting that you immediately review your records and remove these accounts from my credit report. 
Request for Resolution I have included supporting documents with this letter to substantiate my claims. I request that you : Investigate these accounts thoroughly. 
Provide proof of your legal authority to collect these debts. 
Correct any inaccuracies and remove the accounts from my credit report. 
Provide written confirmation of these actions.

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