Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The following letter was mailed to debt collection agency.I am reaching out to you in reference to an alleged debt you are trying to collect. In review of my credit report as of XX/XX/year>, I have an open account with a {$68.00} balance. You are deemed as the original creditor. This letter is being sent to you in pursuant to the Fair Debt Collection Practices Act, 15 U.S. Code 1692 - Congressional findings and declaration of purpose, whichestablishes ethical guidelines for the collection of consumer debts. The FDCPA broadly prohibits a debt collector from using any false, deceptive, or misleadingrepresentationor means in connection with the collection of any debt.15 U.S.C . 1692e. To prevent any false, fraudulent, deceptive, or misleading representation, you must provide the following information within 5 calendar days of receiving this letter : The amount of debt The name of the creditor to whom the debt is owed, A copy of the original statement sent to the consumer, that unless the consumer, within thirty ( 30 ) days after the receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the date of the collector, A statement that, upon the consumers written request within the thirty ( 30 ) day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current collector.

Information Detailing the Amount and Age of the Debt You must provide a complete, itemized account of the debt you claim I owe within thirty ( 30 ) days of receipt of this letter. This complete and itemized evidence of the account must include, not limited to : The complete and signed contract for the debt obligation, the subject matter of this dispute ; An itemized statement of the money owed and how the calculated amount was concluded, Copies of any and all documents that show evidence I agreed to pay the amount claimed I owe, Identity of the original creditor, Identity and accuracy describing any third-party costs justifying any other charges, under,15 U.S.C. 1692b, Provide an affidavit stating the statute of limitations has not expired on this account.

Information on Authority to Collect the Debt Please provide the following information on the authority to collect this debt : Evidence of your debt collection license within the state if Virginia. License information must include the date and expiration date of the license, the name on the license, the license number, and contact information pertaining to the issuance of the license. If no license to practice in the State of Virginia, please provide an explanation of your authority within the state. 

This is an attempt to pay on a legally-owed debt. This dispute of this debt is to invoke my federal, state, and local rights under the Fair Debt Collection Practicing Act, and any and all federal, state, and local laws. If all of the following requests, under15 U.S.C. 1692, are not met within the thirty ( XXXX ) day request, the alleged debt shall be removed, any and all attempts to collect the debt shall be terminated. If any negative marks on any credit report is found ( by XXXX XXXX XXXX or any third-party representation ), you must hereby remove such negative marks. 



Respectfully, __________________________________________

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 non-monetary relief