Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Formal Dispute of Debt and Notice of FDCPA Regulation F Violations To Whom It May Concern : This letter serves as a formal notice that I dispute the validity of the alleged debt you claim I owe. Additionally, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Regulation F, 12 CFR Part 1006, due to several potential violations by your company and Equifax. I asked for validation methods taken to verify these accounts " XXXX '' " XXXX '' what investigation procedure was taken? who did you speak to? what date? time? what did they say? provide me the XXXX they have submitted to you which XXXX this account 100 % accurate, also documents that makes me responsible for this alleged debt Alleged Debt Details : XXXX : XXXX XXXX ( Reinsertion ) without proper notifying consumer within 5 days of reinsertion ( FDCPA ) Violation Violations Cited : XXXX. Failure to Provide Required Disclosures ( XXXX XXXX XXXX ) You have failed to provide a proper validation notice as required under XXXX of Regulation XXXX This includes the itemization of the debt, information on the consumers rights to dispute the debt, and the name of the creditor to whom the debt is owed. 
XXXX. Continued Collection Without Validation ( 12 CFR 1006.34 ( c ) ( 2 ) ) Despite my previous request for debt validation your agency has continued to pursue collection activities/ and report the debt without providing the required documentation. 
XXXX. Unlawful Credit Reporting During Dispute ( 12 CFR 1006.30 ( a ) ) Reporting a disputed debt to Equifax during the validation period without indicating it is disputed constitutes a deceptive collection practice under Regulation F. 
XXXX. Communication in Violation of Time/Method Restrictions ( 12 CFR 1006.6 ) [ Optional if applicable : contacting after hours via email XXXX XXXX  Demand for Action : Immediately cease all collection activities until the debt has been properly validated per Regulation F. 
Provide complete validation of the debt, including itemization and name of the current creditor. 
Notify Equifax to delete or mark the debt as disputed until this matter is resolved, per your obligations under the FDCPA and FCRA. 
Provide documentation showing you have informed Equifax of this dispute. 

Failure to comply with this request will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. I reserve the right to pursue legal remedies for violations of my rights under the FDCPA, FCRA, and any applicable state laws. 

This letter is written in good faith and with full reservation of rights. 

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