Consumer complaint received 2025-07-07 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:
Complaint From : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Regarding : XXXX XXXX Account XXXX To Whom It May Concern : I, XXXX XXXX XXXX, am filing this complaint against XXXX XXXX Account XXXX a debt collection agency .I am being contacted by XXXX XXXX Account XXXX a debt they claim I owe, despite the fact that they are not the original creditor of this debt. They have failed to properly validate this debt upon my request and have continued collection attempts without providing sufficient proof that they legally own the debt or have the right to collect on it. XXXX XXXX Account XXXX has not provided proper verification of the debt including the name of the original creditor, the original agreement, and documentation showing the complete chain of ownership from the original creditor to XXXX XXXX Account XXXX XXXXThey have continued collection efforts despite my written dispute of the debt and have not provided proper validation within the 30-day timeframe required by the Fair Debt Collection Practices Act ( FDCPA ). 
I believe this company has violated several provisions of the FDCPA, including failure to properly validate the debt upon request, attempting to collect a debt without proper legal standing, continuing collection activities during the dispute period, and engaging in harassing and intimidating collection practices. Their communications have been intimidating and have caused me significant stress and anxiety. Under the FDCPA ( 15 U.S.C. 1692 et seq. ), third-party debt collectors like XXXX XXXX provide validation of a debt within 30 days of initial contact, cease collection activities until proper validation is provided, provide complete information about the original creditor, and demonstrate legal standing to collect the debt. Furthermore, this has been on my credit report longer then seven years and XXXX XXXX Account XXXX will not drop off credit report despite the seven year law on the credit report, debt buyers who purchase debt from original creditors must maintain and provide complete documentation showing their legal right to collect, including the complete chain of ownership. 
As a fair resolution, I request immediate cessation of all collection attempts, removal of any related negative information from my credit reports, written confirmation that XXXXXXXX XXXX will cease collection activities on this account, and compensation for any FDCPA violations as permitted by law. I am filing this complaint to protect my rights as a consumer against improper debt collection practices and to seek appropriate resolution as provided by federal consumer protection laws. 
I declare under penalty of perjury that the information provided in this complaint is true and correct to the best of my knowledge. 
Respectfully submitted, 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