Consumer complaint received 2024-12-04 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX To : Compliance Department XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Dispute of Debt Verification and Demand for Full Compliance RE : Account Number : XXXX XXXXXXXX XXXX XXXXXXXX CFPB Case # : XXXX Reference Number : XXXX Dear Compliance Department, I am writing in response to your letter dated XX/XX/year>, regarding the alleged debt associated with the above-referenced account. After reviewing your response, I find the provided documentation insufficient to satisfy the verification requirements under the Fair Debt Collection Practices Act ( FDCPA ) and related Federal Trade Commission ( FTC ) guidelines. Accordingly, I am disputing the validity of this debt and requesting additional information to ensure compliance with all applicable laws and standards, including XXXX XXXX reporting requirements. 



Demand for Complete Verification 1. Proof of Ownership Transfer Please provide documented proof of the ownership transfer for this account. Specifically, I am requesting : A copy of the assignment or sale agreement between XXXX XXXX XXXX  and XXXX XXXX XXXX. 

Any documentation proving that XXXX XXXX XXXX has a legal right to collect this debt. 

2. Original Signed Agreement To validate the alleged debt, I demand a copy of the original signed contract or agreement that creates the obligation. A generic account summary or terms and conditions document is insufficient under FDCPA standards, as courts have ruled that proper verification includes proving the consumers obligation to the debt.

Verification Scope The documents provided in your initial response are inadequate under FDCPA requirements and fail to establish sufficient evidence to validate this debt. Verification requires more than a summary ; it requires clear, specific proof that the debt is owed and accurately represented. I am requesting the following : A breakdown of the principal, interest, fees, and any charges applied. 

Records of all payments made and how they were applied. 



Tradeline Deletion Your letter indicates that you will request deletion of the tradeline associated with this account during the next credit bureau reporting cycle. I demand confirmation of this deletion once it has been completed, along with a copy of all communication sent to credit reporting agencies to ensure this action has been properly executed. 



Account Acquisition and Ownership Proof While you claim that XXXX XXXX XXXX owns the debt, you have not provided documentation to prove this claim. Please provide : Evidence that XXXX XXXX XXXX is the lawful owner of the debt. 

Documentation showing that XXXX XXXX XXXX XXXX is authorized to service the account. 



XXXX XXXX Compliance As the data furnisher, XXXX XXXX XXXX is obligated to comply with XXXX XXXX Format for accurate and complete reporting to credit bureaus. Please ensure that : All tradeline information is accurate, consistent, and compliant with XXXX XXXX standards. 

No information is reported inaccurately during the pending resolution of this dispute. 

The deletion of the tradeline is reflected across all major credit bureaus and reported within the required timeframe. 


Cease All Collection Activity Until full verification of this debt has been provided, you are prohibited under 15 U.S.C. 1692g ( b ) from engaging in further collection activity. This includes but is not limited to phone calls, letters, or reporting to credit bureaus.

Conclusion Failure to provide the requested documentation within 30 days will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), as well as exploring legal remedies. Additionally, any continued attempts to collect this debt without proper verification will constitute a violation of the FDCPA. 

Please direct all future correspondence regarding this matter to me in writing at the address listed above. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation