Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
Re : Unlawful Reporting and Collection of Invalid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This communication serves as a formal dispute, validation request, and legal notice under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Florida Consumer Collection Practices Act ( FCCPA ), and related federal statutes. 

I. Background and Legal Basis On XX/XX/XXXX, I vacated the leased premises at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX, after properly delivering a XXXX XXXX Notice under XXXX XXXX XXXX XXXX ( XXXX ). The landlord failed to remedy repeated health and safety violations ( persistent smoke infiltration ). 

Despite this, on XX/XX/XXXX, only XXXX ( XXXX ) days after move-out, XXXX XXXX  imposed a {$3900.00} Early Termination Fee and transferred the alleged balance to XXXX XXXX XXXXXXXX XXXX XXXX ) for immediate collection without the written notice required by XXXX XXXX XXXX XXXX ( XXXX ) ( a ). 
Because no notice was provided and no XXXX dispute window was honored, the landlord forfeited all claim rights under XXXX ( XXXX ) ( c ). 

Therefore, this alleged debt is legally void, and any continued collection or reporting activity constitutes : False representation of a debts legal status ( FDCPA 807 ( 2 ) ( A ) ) ; Collection of amounts not expressly authorized by law ( FDCPA 808 ( 1 ) ) ; Failure to cease collection pending verification ( FDCPA 809 ( b ) ) ; Furnishing of inaccurate data to a consumer reporting agency ( FCRA 623 ( a ) ( 1 ) ( A ) ) ; Failure to conduct reasonable reinvestigation ( FCRA 611 ( a ) ) ; Retaliatory conduct and bad-faith collection under Fla. Stat . 83.64 ( 1 ) ; and Deceptive and unfair trade practice under the Florida Deceptive and Unfair Trade Practices Act ( XXXX XXXX. XXXX ). 

XXXX. Demands and Legal Requests Pursuant to 15 U.S.C. 1681i and 1692g ( b ), I demand : Immediate reinvestigation and deletion of all entries related to this invalid debt from all consumer credit files within thirty ( 30 ) days.

Written verification of the full chain of assignment, purchase, or authorization permitting XXXX XXXX XXXX to collect this account, including original contracts, billing statements, and the notice allegedly provided under XXXX XXXX. XXXX ( XXXX ) ( a ). 

XXXX of any third parties with whom this data was shared, per FACTA XXXX ( a ) ( XXXX ) ( XXXX ). 

Suspension of all collection activity pending verification, in compliance with FDCPA XXXX ( b ). 

Notice to all data furnishers to correct or remove the inaccurate tradeline under FCRA XXXX ( b ). 

Failure to comply constitutes continued violation and will result in immediate filing of complaints with the CFPB, FTC, Florida Attorney General, and Florida Department of Agriculture & Consumer Services, as well as a civil action for statutory damages, attorneys fees, and injunctive relief under : 15 U.S.C. 1692k ( a ) ( FDCPA damages ), 15 U.S.C. 1681n & 1681o ( FCRA damages ), and Fla. Stat. 559.77 ( 2 ) ( FCCPA damages ).

III. Certification and Notice This dispute is made in good faith and supported by documented evidence, including : Lease agreement and animal addendum, XXXX Cure Notice, Move-out documentation ( XX/XX/XXXX ), Final Account Statement ( XX/XX/XXXX ), Email and text correspondence confirming non-response by management. 

This serves as formal notice under all applicable consumer protection laws. 
Any continued reporting, sale, or collection will be treated as willful non-compliance and harassment.

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