Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Debt Validation Request, Personal Information Update, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute and request validation of the accuracy and validity of the following accounts, inquiries, and personal information reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation, validation, and a detailed description of the procedures used to verify this information.

Debt Validation Request Under 15 U.S.C. 1692g, I formally request validation of the alleged debts. This is not a refusal to pay but a request for validation. Please provide specific evidence to substantiate these debts, as required by law. Documentation should include : Original Signed Contract : A copy of the original signed contract or agreement that created the debt. 

Proof of Ownership : Documentation proving your legal ownership or assignment of the debt. 

Detailed Accounting : A detailed breakdown of the alleged debt, including the principal, interest, fees, and any other charges. 

As determined in XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX. XXXX, mere statements or billing records are not sufficient to validate a debt. 

Cease-and-Desist Notice This letter serves as a formal cease-and-desist notice. I am exercising my right under the FDCPA to demand that all further communication regarding this alleged debt cease immediately. 

The only permissible form of communication shall be through written correspondence sent to the mailing address listed above. 

No contact by phone, email, text message, or any other means of communication is authorized. 

No communication with family, friends, or third parties about this alleged debt is permitted. Any attempt to contact them will be considered harassment and will result in legal action. 

Additionally, reporting this alleged debt to any consumer reporting agency will be considered a form of communication. If validation can not be provided, I demand that all references to this debt be deleted from my credit file with Experian, TransUnion, and Equifax. 

Personal Information Update Please update my credit file to reflect the following correct information and delete all previous incorrect information : Name : XXXX XXXX XXXX XXXX Last XXXX : XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX the XXXX Incorrect Names & Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Advantage XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX to XXXX Validated and Addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Expectation of Compliance I expect your written response, including all requested documentation, within 15 days of receipt of this letter. Failure to respond or comply with this request will result in immediate legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation