Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Date : XX/XX/XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute & Debt Validation Request XXXX XXXX XXXX ( {$1800.00} ) Dear Dispute Departments, I am writing to formally dispute and request validation of a collection account currently being reported by XXXX XXXX XXXX {$1800.00} on all three of my credit reports ( Experian, XXXX XXXX XXXX  ). I assert that this account is either inaccurately reported, unverifiable, or lacks lawful standing to be included in my credit file. As such, I am demanding the immediate and permanent deletion of this account. 

Legal Basis Applicable Consumer Laws : 15 U.S.C. 1692c ( c ) : Under the FDCPA, once a consumer disputes a debt in writing and requests no further communication unless validated, the collector must cease all collection efforts, including credit reporting, until proper validation is provided. 
15 U.S.C. 1692g : Debt collectors must provide written validation of any alleged debt, including its origin, breakdown, and collectors legal authority to report or collect.

15 U.S.C. 1681o : Civil liability for negligent noncompliance with FCRA procedures, especially regarding inaccurate or unverifiable information.

31 U.S.C. 5118 : Prohibits the enforcement of debt obligations lacking proper lawful origin or contractual agreement. 
Regulation F : Requires full transparency, itemization, and the ability to substantiate all collection activity and reporting. 

Debt Validation Request : I formally request that you obtain and forward the following documentation from XXXX XXXX XXXX or the original creditor : A signed original agreement bearing my name and signature. 
A full itemized breakdown of the alleged debt, including principal, interest, fees, and date of default. 
A copy of the assignment contract transferring the debt to XXXX XXXX XXXX. 
A Forward Flow Agreement proving legal ownership and authority to report/collect on this debt.

My Formal Requests : Conduct an immediate reinvestigation of the XXXX XXXX XXXX ( {$1800.00} ) account. 
Permanently delete this account from all three of my credit bureau files if proper validation can not be provided. 
Block this account from future reinsertion unless all required documentation is provided in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Provide a written confirmation of your reinvestigation and any actions taken. 

This account is unjustly impacting my credit profile. If your agencies fail to act in compliance with federal law, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and will explore legal remedies under 15 U.S.C. 1681n & 1681o for willful or negligent violations. 

Thank you for your prompt attention to this matter. I expect full resolution within XXXX  days as required by law. 

Sincerely, XXXX XXXX

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