Consumer complaint received 2025-06-09 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: AL

Complaint narrative:
NOTICE OF LIABILITY & RIGHT TO SUE TO : Equifax, TransUnion, Experian RE : Failure to Properly Validate & Verify Debt Under Federal Law DATE : XX/XX/XXXX XXXX. LEGAL BASIS FOR LIABILITY Credit reporting agencies ( CRAs ) are strictly liable under federal law for failing to ensure accurate reporting and proper validation of disputed debts. Accepting third-party verification without independent investigation violates multiple statutes, including : A. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 
XXXX ( b ) : Requires CRAs to follow " reasonable procedures '' to ensure maximum accuracy. 
XXXX ( a ) : Mandates a reinvestigation of disputed items, including direct validation with original creditors. 
o XXXX XXXX : XXXX v. XXXX & XXXX, XXXX ( XXXX XXXX XXXX ) holds CRAs liable for relying on unverified furnisher responses. 
XXXX & XXXX : Provides for statutory damages ( {$100.00} {$1000.00} per violation ) + punitive damages + attorneys fees. 
B. UCC Article XXXX & XXXX ( Title XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) : Defines " verification '' as requiring authentic proof of debt ownership ( e.g., wet-ink signature contracts ). 
XXXX XXXX : Demand for accounting requires affidavit-backed validation ( signed under penalty of perjury ). 
o CRAs violate XXXX by accepting electronic records or hearsay from debt buyers. 
XXXX XXXX XXXX ( Truth in Lending Act, XXXX XXXX  XXXX ) XXXX ( b ) : Requires written proof of disputed debts within 30 days. 
CRAs that fail to obtain this from furnishers violate XXXX error-resolution rules. 
XXXX Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX XXXX ( b ) : Debt collectors must cease collection until validation is provided. 
CRAs aiding unvalidated collections face vicarious liability under XXXX XXXX XXXX ( XXXX ). 
XXXX. NOTICE OF VIOLATIONS You are hereby notified that the following violations occurred : Failure to Reinvestigate : Accepted furnisher responses without affidavits, original contracts, or payment ledgers ( FCRA XXXX ). 
Willful Non-Compliance : Ignored disputes sent via certified mail ( violating FCRA XXXX ( a ) ( XXXX ) ). 
Defamation : Reported unverified debts as " accurate '' without proof ( XXXX XXXX ). 
XXXX. DEMAND FOR REMEDIAL ACTION Within XXXX  days, you must : XXXX. Delete all unverified accounts lacking : o Signed contract ( XXXX XXXX ). 
o Chain of title ( XXXX XXXX ). 
o Affidavit of debt validation ( FDCPA XXXX ). 
XXXX. Provide sworn documentation proving alleged debts comply with Regulation Z. 
XXXX. Cease reporting any account failing the above. 
Failure to comply will result in : Lawsuit for willful FCRA violations ( seeking {$1000.00} per violation + punitive damages ). 
Complaints to CFPB ( XXXX XXXX XXXXXXXX ) and state AGs. 
XXXX. RIGHT TO SUE This letter serves as formal notice under : FCRA XXXX ( XXXX ) : Pre-suit notice required. 
XXXX XXXX : Reservation of rights. 
If corrective action is not taken, litigation will proceed in XXXX XXXX XXXX XXXX under : FCRA XXXX ( XXXX for willful violations, XXXX for negligence ). 
State XXXX claims ( XXXX  years under statute of limitations ). 
SIGNED UNDER PENALTY OF PERJURY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama, 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