Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct/Email : XXXX XX/XX/year> XXXX REQUEST/ CEASE AND DESIST SENT VIA XXXX MAIL & EMAIL ( XXXX XXXX : Collection Hunter XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE : XXXX XXXX XXXX # XXXX Dear Sirs/Madam : I recently received a debt collection notice from your office. A copy is attached for your review. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this pursuant to 15 USC 1692g. Please supply me with a copy of all contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. I formally request the cancellation of the 1099-C debt issued by XXXX XXXX who XXXX, purportedly transferred to XXXX XXXX XXXX XXXX This request is made in accordance with the relevant provisions of the XXXX XXXX XXXX and applicable regulations. A copy of all charge-offs documentation including 1099-C forms.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, pursuant to 15 USC 1692c I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Lastly, please forward the requested information to the address listed above within XXXX ( XXXX ) business days from the date of this letter. I would like you to confirm your company is not on the federal bad debt collector list. 

Thank you for your prompt attention to this matter. 

Kindly, XXXX XXXX XXXX By : ____________________________________ XXXX XXXX XXXX, XXXX, CC : CFPB

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