Date Received: 2018-09-05T00:00:00
Product: Other debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I have submitted numerous of dispute letters regarding a debt that has shown up on my credit report for some time now. I sought legal advice with a lawyer and per form 609 : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
I sent a letter to Experian on XX/XX/18 in which at this time the account is : XXXX XXXX, ACCOUNT NUMBER XXXX RESULTS for report # XXXX for XX/XX/2018 as : ACCOUNT UPDATED ( no proof of this being my account ) During this time the account was purchased by a Collection Agency by the name of : XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX I sent a 609 letter to Experian on XX/XX/18 in which at this time the account is : XXXX XXXX XXXX , ACCT # XXXX RESULTS for report # XXXX for XX/XX/2018 as : ACCOUNT UPDATED ( no proof of this being my account ) I AM DEMANDING TO SEE VERIFIABLE PROOF.
I have also submitted the same letters to XXXX and XXXX in which the have removed this from my credit report.
Company: Experian Information Solutions Inc.
State/Zip: CA 943XX
Company Response to Complaint: Closed with non-monetary relief
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3010959
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