Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Report Number : XXXX Date Generated : XX/XX/year> Subject : Request for Validation of Alleged Debt Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear [ Debt Collectors Name or To Whom It May Concern ], I am writing regarding the alleged debt associated with the above-referenced account. As this matter impacts my creditworthiness and personal information, I am disputing the validity of this debt and formally requesting debt validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Specific Issues The information associated with my credit report includes multiple inaccuracies and unverified details. Below is a summary of my correct information and the discrepancies that require immediate attention : Correct Address : XXXX XXXX XXXX, XXXX, IL XXXX Other Address History : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Employment Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide the following documentation to validate the alleged debt : A signed agreement or contract proving my obligation to this debt.

An itemized breakdown of the debt ( principal, interest, fees, etc. ). 
Proof that you are legally authorized to collect this debt on behalf of the original creditor. 
Impact on My Credit Report : If this debt can not be validated, you are instructed to : Cease all collection activity immediately. 
Request the removal of any associated negative information from Experian, XXXX, and XXXX. 
Correct or update any inaccurate address, name, or employer information listed on my credit report. 
Legal Considerations Failure to validate this debt within 30 days of receipt of this certified letter will result in legal action under : FDCPA 807 [ 15 U.S.C. 1692e ], for false or misleading representations. 
Fair Credit Reporting Act [ 15 U.S.C. 1681s-2 ( b ) ], for reporting unverifiable or inaccurate information.

I will pursue damages of up to {$5000.00} in small claims court for : Defamation resulting from inaccurate credit reporting.

Negligent enablement of identity fraud. 
Violations of consumer protection laws. 
Immediate Action Required You are required to : Provide a written response with the requested validation documents. 
Cease all credit reporting and collection activities pending resolution. 
This letter is an effort to resolve the matter amicably and correct inaccuracies. It does not constitute an acknowledgment of the debt or a waiver of any rights. Please direct your response and any questions to my address above. 

Sincerely, XXXX 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 non-monetary relief