Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the validity, accuracy, and reporting of all collection accounts and public records including Bankruptcy listed on my credit report.

Under Federal Law, I am Requesting Immediate Action Based on the Following Grounds : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Under FCRA 611 and 609, I have the right to dispute any information that is inaccurate, unverifiable, or misleading. I formally request : A reinvestigation of the above-mentioned item The method of verification used The name and address of the original creditor All records used to verify this account If this information can not be verified within 30 days, it must be removed from my credit report. 

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g As per FDCPA, I demand : Full validation of the debt, including : A complete breakdown of the debt amount Proof of your legal authority to collect the debt A copy of the original contract with my signature Proof of chain of custody and assignment from the original creditor If you can not validate these debts, you are required to cease all collection activity and request its removal from all consumer reporting agencies. 

3. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 Reporting a debt without proper investigation or validation constitutes an unfair, deceptive, or abusive act or practice ( UDAAP ) under the CFPA. Continued reporting of unvalidated or inaccurate information may be considered a violation subject to enforcement by the Consumer Financial Protection Bureau ( CFPB ). 

4. Truth in Lending Act ( TILA ) ( If Applicable ) If this debt is related to a financial agreement or credit, I request documentation that satisfies TILA requirements regarding clear disclosure of terms and obligations.

5. HIPAA ( For Medical Debts Only ) ( Optional include only for medical collections ) If this is a medical debt, I request documentation that shows full HIPAA compliance. If no such documentation can be produced without my written authorization, you are in violation of federal privacy law and must delete this item immediately. 

Action Requested : If you can not verify or validate these debts with proper and complete documentation as required by the laws above, I am formally requesting : Immediate deletion of this account from my credit report Notification of deletion sent to me in writing Updated information sent to all bureaus that may have reported it Please note, failure to comply with this request may result in a complaint to the CFPB, the Federal Trade Commission, and my state attorney general 's office. I am fully prepared to pursue my rights under all applicable consumer protection laws. 

This is not a refusal to pay, but a request for validation made pursuant to federal law.

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