Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I told them this is NOT MY debt referenced in your communication, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I alleged debt referenced in your communication, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt as mine and request that you provide proper validation before any further action is taken. 
XXXX XXXX XXXX XXXX .Comcast Please provide the following : 1. Proof that you have the legal right to collect this debt, including documentation of your authority from the original creditor.

2. A detailed account of the debt, including the original creditors name, account number, and a breakdown of the amount claimed ( principal, interest, fees, etc. ).

3. A copy of the original signed agreement or contract that proves I am responsible for this debt.

4. A complete payment history, including when the debt was incurred and any payments made.

5. Verification that the debt is within the statute of limitations for collection in my state.

Until this information is provided, you are prohibited from reporting this debt to any credit bureau or engaging in further collection activities, as per FDCPA 15 U.S.C. 1692g ( b ). If you can not validate this debt, I request that you cease all collection efforts and remove any negative reporting from my credit file.

Please respond within 30 days of receiving this letter. Failure to do so will be considered a violation of the FDCPA, and I may pursue legal remedies. do not acknowledge this debt as mine and request that you provide proper validation before any further action is taken.

Please provide the following : 1. Proof that you have the legal right to collect this debt, including documentation of your authority from the original creditor.

2. A detailed account of the debt, including the original creditors name, account number, and a breakdown of the amount claimed ( principal, interest, fees, etc. ).

3. A copy of the original signed agreement or contract that proves I am responsible for this debt.

4. A complete payment history, including when the debt was incurred and any payments made.

5. Verification that the debt is within the statute of limitations for collection in my state.

Until this information is provided, you are prohibited from reporting this debt to any credit bureau or engaging in further collection activities, as per FDCPA 15 U.S.C. 1692g ( b ). If you can not validate this debt, I request that you cease all collection efforts and remove any negative reporting from my credit file.

Please respond within 30 days of receiving this letter. Failure to do so will be considered a violation of the FDCPA, and I may pursue legal remedies.

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