Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for validation of an alleged debt you claim is owed by me. This request is made under the authority of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 
You are hereby notified that I do not acknowledge, owe, or consent to any alleged debt claimed by your company or any entity you represent. You are required by federal law to cease all collection activity and to fully validate this alleged debt before taking any further action, including credit reporting. 
Accordingly, you must provide the following within 30 days of receipt of this notice : Full validation of the debt, including a detailed accounting of all charges, payments, and interest. 
A copy of the original contract or agreement bearing my signature that establishes my obligation to pay. 
The name, address, and contact information of the original creditor. 
Proof of assignment or purchase of the debt, including a complete chain of custody from the original creditor to your agency. 
Evidence of your legal authorization and license to collect debts in my state. 
Failure to provide the above within the statutory timeframe constitutes noncompliance under 15 U.S.C. 1692g ( b ) and will be considered your admission that the alleged debt is invalid. 
Be advised that any continued collection activity, including phone calls, letters, or credit reporting, without proper validation is a direct violation of the FDCPA and FCRA, including but not limited to : 15 U.S.C. 1692e False, deceptive, or misleading representations. 
15 U.S.C. 1692f Unfair or unconscionable means to collect a debt. 
15 U.S.C. 1692g ( b ) Failure to cease collection after a debt dispute. 
15 U.S.C. 1681s-2 ( b ) Duty of furnishers to correct and verify information with credit bureaus. 
If you continue to report this unverifiable debt to Equifax, Experian, or TransUnion, I will immediately file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for willful and negligent violations of federal law. I will also seek civil damages under 15 U.S.C. 1692k for statutory and actual damages. 
This letter also serves as a Cease and Desist Notice under 15 U.S.C. 1692c ( c ). You are hereby instructed to communicate with me in writing only, and only for the purpose of providing the complete documentation requested above. Any other form of contact will be treated as harassment and further violation of federal statute. 
Failure to comply will result in legal action and immediate reporting of your violations to federal regulators 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 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 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 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 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

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