Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is written in response to your recent communication, dated XX/XX/year> regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am asserting my right to request and receive full and complete validation of this debt with the accounts below in questioned. 
Creditors Name : XXXX. XXXX XXXX XXXX  ( Acct # XXXX ) XXXX. XXXX XXXX ( Acct # XXXX ) XXXX. XXXX XXXX XXXX ( Acct # XXXX ) XXXX. XXXX XXXX XXXX ( Acct # XXXX ) XXXX. XXXX XXXX XXXX XXXX. ( Acct # XXXX ) XXXX. XXXX XXXX ( Acct # XXXX ) XXXX. XXXX XXXX ( Acct # XXXX ) Until this request is fully satisfied, you are hereby instructed to CEASE all collection activities, including calls, letters, credit reporting, or threats of legal action. 
Let me be clear : I am NOT acknowledging or accepting this alleged debt. I am demanding, under federal law, that you provide the following documentation for validation : 1. A copy of the original signed agreement that created the debt, bearing my signature.

2. A complete accounting statement, itemizing the alleged balance, interest, fees, and how these were calculated.

3. Proof of your legal authority to collect on this debt, including a copy of the assignment or purchase agreement from the original creditor.

4. The name and address of the original creditor, including account numbers and the date the alleged debt was incurred.

5. Verification that this debt is within the statute of limitations in my state. 
6. Proof that you are licensed to collect debts in my state, including your license number and issuing authority.

If you can not provide these materials, then you must immediately cease all collection attempts and remove any negative reports made to credit bureaus, in accordance with15 U.S.C. 1692g.

Your failure to validate this debt as required, and any continued collection activity or credit reporting, constitute violations of both the FDCPA and the FCRA. As a result, if this information can not be furnished accurately, I will be requesting statutory damages in the amount of {$1000.00}, pursuant to 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) of the FDCPA 15 U.S.C. 1681n and 1681 of the FCRA Unless you can provide legal and verifiable proof of this alleged debt, you must immediately : Cease all collection efforts Remove all references to this debt from any credit reporting agencies Refrain from contacting me again except to provide the validation requested This letter also serves as notice to preserve all communications and documents related to this matter for potential litigation. 
You have 30 days from the date of your receipt of this letter to provide the above-requested validation. If you continue to pursue collection efforts without complying, you will be in violation of federal law. 
Sincerely, XXXX XXXX

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