Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Validation of Debt - FDCPA Section 809 Dear Experian, I am writing to dispute the validity of the alleged debt you have reported to the credit bureaus. 
Account # XXXX According to the Fair Credit Reporting Act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
You are reporting this collection as an Open Account which is not under FCRA Compliance. This is inaccurate reporting, and it needs to be removed immediately. Please send me an updated report when the collection above is deleted.

Under 15.U.S.C. 1692g, I demand a complete chain of title proving youre the legal right to collect this debt. Please show me the surety bond you hold to operate as a debt collector in my state or cease all collection activities.

Under the Truth in Lending Act ( TILA ) 15 U.S.C. 1602 ( g ) & 15 U.S.C. 1602 ( l ), I demand full disclosure of the original creditors interest rate and payment terms.

Understand, this letter does not serve as a refusal to pay, but official notice that your claim is disputed. I am formally asking for proof that I am the party required to pay this debt. I am also requesting proof of a contract in place that binds me to the alleged debt I want to be clear that I am not requesting verification. I am formally requesting VALIDATION as outlined 15 USC 1692g Sec 809 ( b ) of the Fair Debt Collection Practices Act. Pursuant to FDCPA Section 809, I have the full, legal right to request validation of any debts I claimed to owe. I am requesting your agency send me acceptable proof of validation within 30 business days. I am exercising my right to request validation of the debt in question.

Please provide the following information to substantiate the validity of the debt : A contract from the original purchase agreement from the creditor that I am legally obligated to pay the alleged debt.

Amount of commission paid to debt collector if debt collection is successful.

Proof of the amount owed, including an itemized breakdown of principal, interest, fees, and any other charges.

A signed contract proving that you I agreed to pay the debt signed by me Details of any assignment or transfer of the debt to your agency. 
The original account number associated with the debt. 
The XXXX with the original creditor Insurance claim of the debt.

Proof of the alleged debt.

However, to make sure this Validation Dispute is treated fairly, accurate, and honestly. I will be forwarding a copy of this letter to the FTC, CFPB, & Attorney General ( XXXX XXXX GA ) to make sure all rules, laws & regulations are being handled accordingly. 
I expect to receive the requested documentation within 30 days of the receipt of this letter, as required by FDCPA Section 809 or delete this account from my consumer file immediately.

Failure to comply with this request will result in my assumption that the debt is disputed and invalid. 
Please note that during the validation period, all collection activities related to this debt must cease, including reporting the debt to credit reporting agencies. Any further attempts to collect the debt without providing proper validation will be considered a violation of the Fair Debt Collection Practices Act. 
Any non-compliance of this request will be met with legal action. 

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