Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

This letter is being sent to you in response to : 1. AResponse to alisting on my Credit Report DEBT VALIDATION 2.

3. Improper response and delay tactics under the FCRA. 
Lack of previous Debt Validation requested via CFPB Complaint # XXXX XXXX. XXXX. 
XXXX. 
XXXX. Verification that no validation has been received on multiple prior occasions via CFPB complaints that are on file with the agency. 
XXXX. Acomment was added to my credit file saying that adispute was resolved this is fraudulent and should have never been added this reporting must be removed immediately. 
Be advised this is not arefusal to pay, but anotice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT arequest for verification or proof of my mailing address, but arequest for VALIDATION made pursuant to the above-named Title and Section. Irespectfully request your offices provide me with competent evidence that Ihave any legal obligation to pay you. 
At this time, Iwill also inform you that your offices have reported invalidated information the 3major credit bureaus ( XXXX, Experian or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, since negative marks are found on my credit reports by your company or the company that you represent, Iwill not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. The items you are reporting must be deleted immediately. 
Under 15 USC 1692g the following must be provided immediately : XXXX. Adetailed list of the history of payments made by me on this account. 
XXXX. Chain of title of this debt stating that you have the ability to collect on this debt. 
XXXX. Asignature that Iput on acontract guaranteeing that Iwould pay this debt. 
XXXX. Asignature on any modification of acontract guaranteeing that Iwould pay this debt. XXXX. Astatement stating if an insurance claim has been filed on this debt. 
If your offices are able to provide the proper documentation as requested in the following Declaration, Iwill require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, Iwill consult with my legal Response to CFPB request for information Proof that you are the correct party to respond to the CFPB complaint as the reporting agency. 
Proof that Experian is reporting false and/or incorrect and/or misleading information in violation of the FCRA. 
XX/XX/year> Page 1of 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  and Experian : This letter is being sent to you in response to : XXXX. XXXX. XXXX. XXXX. XXXX. 
XXXX. 
XXXX. XXXX. 
AResponse to alisting on my Credit Report reported by XXXX, XXXX, XXXX XXXX. Lack of previous Debt Validation requested via CFPB Complaint # XXXX Improper response and delay tactics under the FCRA. 
Response to CFPB request for information Proof that you are the correct party to respond to the CFPB complaint as the reporting agency. 
DEBT VALIDATION Proof that Experian, XXXX, and XXXX are reporting false and/or incorrect and/or misleading information in violation of the FCRA. 
Verification that no validation has been received on multiple prior occasions via CFPB complaints that are on file with the agency. 
Acomment was added to my credit file saying that adispute was resolved this is fraudulent and should have never been added this reporting must be removed immediately. 
Be advised this is not arefusal to pay, but anotice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT arequest for verification or proof of my mailing address, but arequest for VALIDATION made pursuant to the above-named Title and Section. Irespectfully request your offices provide me with competent evidence that Ihave any legal obligation to pay you.

At this time, Iwill also inform you that your offices have reported invali
dated information the 3major credit bureaus ( XXXX, Experian or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, since negative marks are found on my credit reports by your company or the company that you represent, Iwill not hesitate in bringing legal action against you and your client for the following ; Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. The items you are reporting must be deleted immediately. 
Under 15 USC 1692g the following must be provided immediately : XXXX. Adetailed list of the history of payments made by me on this account. 
XXXX. Chain of title of this debt stating that you have the ability to collect on this debt. 
XXXX. Asignature that Iput on acontract guaranteeing that Iwould pay this debt. 
XXXX. Asignature on any modification of acontract guaranteeing that Iwould pay this debt. XXXX. Astatement stating if an insurance claim has been filed on this debt. 
If your offices are able to provide the proper documentation as requested in the following Declaration, Iwill require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, Iwill consult with my legal