Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/year> COMPLAINT ID XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : Dispute and Request for Damages : Failure to Provide Proof of Debt and Defamation To Whom It May Concern, I am writing to formally contest the actions ( or lack thereof ) of the XXXX credit bureaus in relation to my dispute of the alleged debt that has been reported under my name. Despite my repeated efforts to seek validation of this debt, the bureaus have failed to provide the required proof, and this has resulted in ongoing harm to my reputation and creditworthiness. 

I assert that this situation constitutes defamation of my character, as the unverified debt continues to be reflected in my credit report without adequate evidence of its legitimacy. I am now requesting damages for the undue harm caused, including but not limited to : Negative impact on my credit score Emotional distress Difficulty securing financial opportunities To resolve this matter and put it to rest, I am providing the following specific debt validation requests. The documentation must substantiate the legitimacy of this debt in its entirety : XXXX. Full Payment History : Please provide a complete and detailed payment history for the account in question, including the date and amount of each payment, as well as the outstanding balance. 
XXXX. Signed Agreement : Furnish a copy of the original agreement or contract bearing my signature, which explicitly shows that I consented to this debt and agreed to its terms. 
XXXX. Insurance Claims : If any insurance claims have been filed or payments have been made in relation to this debt, provide copies of all relevant documents and evidence. 
XXXX. Chain of Title : Submit the chain of title or documentation showing the transfer of ownership for this debt, demonstrating your legal authority to collect on this account. 

The Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) mandate that debt collectors and credit bureaus substantiate debts to ensure accuracy and protect consumers from erroneous reporting. Your failure to provide the requested information has resulted in a clear violation of my rights. 

I kindly request that this matter be resolved promptly within XXXX  days. If you are unable to provide the requested documentation, I demand that the disputed debt be removed from my credit report immediately and permanently. Additionally, I reserve the right to pursue legal action, including but not limited to seeking damages for defamation, if this matter is not resolved to my satisfaction. 

Please confirm receipt of this letter and provide a timeline for resolving this issue. You may reach me at XXXX if further clarification is needed. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation