Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
DEBT VERIFICATION LETTER NOTICE TO PRINCIPAL IS NOTICE TO AGENT - NOTICE TO AGENT IS NOTICE TO PRINCIPAL Notice of Conditional Acceptance upon Debt Verification Notice of Cease Action in Lieu of Proof of Claim Notice of Irrevocable Estoppel upon Failure to Produce Proof of Claim Notice of Fee Schedule for Future Frivolous Communications I am in receipt of the credit report for XXXX XXXX XXXX XXXX, which has been forwarded to me for response. I now demand that XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prove any claim they assert under that name by producing proper contracts and accounting records, not assumptions or computer entries. You must substantiate any alleged debt by providing : A true, complete copy of any alleged account agreement or contract in the fleshandblood name XXXX XXXX XXXX XXXX, bearing wet signatures of both parties, properly witnessed and referencing the full agreement. Proof that the entity claiming the debt is the present holder of the original note or debt instrument and that it has not been assigned, sold, or otherwise transferred to another party. A true certified copy of the full accounting, showing that the claimant actually incurred a loss on this alleged debt in accordance with Generally Accepted Accounting Principles ( GAAP ). A true bill, not a mere statement, showing any amount allegedly owed, compliant with all applicable commercial, banking, and bills of exchange laws, and not merely a bookkeeping entry. Proof that any purported obligation is denominated in lawful money backed by something of value, consistent with applicable monetary and publicpolicy provisions you rely upon when attempting to enforce this claim. Be advised : maintaining or sharing false, unverified, or unauthorized information about an individual can engage serious civil and criminal liabilities under applicable credit reporting, consumer protection, and criminal statutes. If you fail to provide the above evidence, I, the Agent for XXXX XXXX XXXX XXXX, demand that you immediately delete the disputed entries from all credit files and confirm removal in writing to the postal address on file. Fee schedule ( hereby noticed and in force ) : Any frivolous or nonsubstantive response : {$500.00} XXXX per occurrence. Any response by the Agent ( other than this letter ) : {$500.00} XXXX. Any unregistered or ordinary mail regarding this matter : {$500.00} XXXX per mailing. Any telephone contact : {$100.00} XXXX plus {$50.00} XXXX per minute. Any litigation initiated without my express written consent : {$10000.00} XXXX per action. Any court appearance by the Agent related to this matter : {$2500.00} XXXX per hour or part thereof. Failure to rebut this notice with full proof of claim, pointbypoint, constitutes your agreement to these terms and your consent to remove all unverified data reported under the name XXXX XXXX XXXX XXXX. NOTICE TO PRINCIPAL IS NOTICE TO AGENT ; NOTICE TO AGENT IS NOTICE TO PRINCIPAL

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