Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Final Notice Failure to Validate Debt | Violations of the FDCPA & FCRA XXXX XXXX XXXX XXXX XXXX XXXX Euclid, OH XXXX Phone : XXXX Email : XXXX Date : [ XX/XX/XXXX ] RE : FINAL NOTICE FAILURE TO VALIDATE DEBT VIOLATIONS OF THE FDCPA & FCRA Account ( XXXX ) : XXXX XXXX Loan Fraudulent ( Opened XX/XX/XXXX, Amount : {$26000.00} ) XXXX Bank XXXX Account XXXX XXXX XXXX XXXX XXXX Bank XXXX Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX / XXXX XXXX Co XXXX XXXX XXXX XXXX Bank XXXX XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX Co XXXX Bank XXXX XXXX It XXXX Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced fraudulent accounts and inquiries that appear on my credit reports. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt ( s ).

Instead, you responded with a generic summary of charges or a billing statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. XXXX bond information ( if required by law in my jurisdiction ). 

A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of unverifiable debts to the credit bureaus is a violation of XXXX U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e False or misleading representations ; 15 U.S.C. 1692f Unfair practices ; 15 U.S.C. 1692g Failure to validate debt. 



Demand for XXXX XXXX If these fraudulent accounts and inquiries are not permanently deleted from all consumer reporting agencies, and if all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs.

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 

I will go for monetary for arbitration laws that were violated Sincerely, XXXX XXXX XXXX Without Prejudice

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