Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Formal Debt Validation Request & Demand for Deletion of Unverified Collection Account ( s ) Pursuant to 12 CFR Part 1022, 12 CFR 1006.34 ( c ), 12 CFR 1006.6 ( c ), 12 USC, and 15 USC 1681e ( b ), 1681s-2 ( a ), 1681i ( a ), and 1692g To Whom It May Concern, I am writing to formally dispute the validity of a collection account currently reported under my name. This letter serves as both a debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) and a credit dispute under the Fair Credit Reporting Act ( FCRA ). 
This is a request for verification and immediate removal of the unverified collection account from all credit reporting databases in compliance with federal consumer protection laws. 

Account Information ( Subject to Dispute ) Creditor or Collection Agency : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Alleged Balance : $ [ XXXX ] Date Reported : XX/XX/year> Legal Grounds for Validation and Deletion Request 15 USC 1692g ( FDCPA Validation of Debts ) You are required to provide a detailed validation of the alleged debt including the original creditors name, amount, itemization, and proof of your right to collect. Until you provide full validation, collection activities and credit reporting must cease. 
12 CFR 1006.34 ( c ) You are required to provide clear and complete validation information, including itemized amounts, consumer rights, and the name of the original creditor.

12 CFR 1006.6 ( c ) Debt collectors are prohibited from misrepresenting the character, amount, or legal status of a debt. Reporting to a credit bureau without full and accurate validation may constitute a violation of this regulation.

15 USC 1681e ( b ) ( FCRA Maximum Accuracy ) Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information. Unverified or inaccurate debts must be deleted immediately.

15 USC 1681i ( a ) When a consumer disputes the accuracy or completeness of information, the credit reporting agency must reinvestigate within 30 days and delete or correct any unverifiable or inaccurate information.

15 USC 1681s-2 ( a ) Information furnishers ( such as collection agencies ) are prohibited from providing any information relating to a consumer that they know or have reasonable cause to believe is inaccurate.

12 CFR Part 1022 ( Regulation V FCRA Implementation ) Consumer reporting agencies and furnishers of information must comply with the FCRA and implement procedures to prevent the reporting of inaccurate, incomplete, or unverified information.

My Demand Accordingly, I hereby request that you : Provide full validation of the alleged debt, including : The name and address of the original creditor A signed agreement or contract bearing my signature Full itemization and calculation of the alleged debt Proof of legal ownership and assignment of the debt Your authority to collect in my state Immediately delete the account from all credit reporting agencies if you are unable to validate the debt in full accordance with the above laws and regulations as required by 12 USC 5531 and 5536 ( a ) ( 1 ) ( B ) ( Dodd-Frank Act - Unfair, Deceptive, or Abusive Acts or Practices ( UDAP ), I request the immediate deletion of these accounts from my credit report.

Cease all collection and reporting activity until proper validation is provided, as required by 15 USC 1692g ( b ) .Please provide me with an updated copy of my credit report showing these items have been deleted, or written confirmation of your findings upon conclusion of your investigation.

Notice You are hereby notified that failure to comply with this request will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially civil litigation to recover statutory damages for each violation.

Please respond to this request within 30 days of receipt. All future communications regarding this matter must be in writing and sent to the address listed above. 
Sincerely, [ XXXX 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