Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX, trustee XXXX XXXX XXXX LIVING Trust TO : [ Experian / XXXX  XXXX TransUnion ] [ Address of the Credit Bureau ] RE : Formal Dispute of Inaccurate Charge-Off Accounts under FCRA, FDCPA, TILA, UCC, and XXXX  Statutes To Whom It May Concern : I am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., the Uniform Commercial Code ( UCC 3-501, UCC 1-308 , and UCC 9-210 ), and XXXX  Regulation of Collection Practices Act ( MCL 445.251 et seq. ), to dispute and demand immediate investigation into the validity and accuracy of certain charge-off accounts currently being reported under my name and social security number. 

These accounts are causing measurable damage to my consumer credit profile and reputation, and I have reason to believe they are inaccurate, incomplete, unverifiable, and/or improperly maintained in violation of federal and state law. 

ACCOUNTS IN DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR DISPUTE : 1 . FCRA Violations ( 15 U.S.C. 1681i & 1681s-2 ) The listed accounts are not verified with competent evidence. The continued reporting without full validation violates my right to dispute incomplete or inaccurate information. 
No original signed contract, ledger, or lawful assignment has been produced to demonstrate the accuracy of the charge-off, nor have you confirmed whether the account is valid and legally collectible. 
2. FDCPA Violations ( 15 U.S.C. 1692g ) If these accounts are in the possession of third-party collectors or debt buyers, they are required to provide validation within five ( 5 ) days of initial communication. I have not received such validation. Continued collection and reporting without verification is a deceptive and unfair practice. 
3. TILA Violations ( 15 U.S.C. 1601 ) Original lenders failed to provide material disclosures regarding the true nature of the credit transaction, finance charges, and right of rescission under TILA. Therefore, the debt is voidable and unenforceable. 
4. UCC Provisions ( UCC 3-501 ; UCC 1-308 ; UCC 9-210 ) I hereby conditionally accept any alleged debt upon proof of claim in the form of original instruments bearing wet-ink signatures, proof of consideration, and accounting per UCC demand. You have failed to provide proof of claim, and as such, continued collection or reporting without verification is fraudulent under commercial law. 
5. XXXX  Law ( MCL 445.256 & MCL 445.258 ) The XXXX  Regulation of Collection Practices Act prohibits misleading, deceptive, or unfair collection practices, including misrepresentation of a legal right to collect a charge-off or re-aging an account to appear current. This applies both to original creditors and third-party collectors. 

NOTICE : Failure to comply will result in immediate escalation, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX  Department of Attorney General, and pursuing civil action under 15 U.S.C. 1681n for willful noncompliance. 

Respectfully, XXXX XXXX XXXX, trustee XXXX XXXX XXXX LIVING Trust

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