Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Debt Validation Request Pursuant to 15 USC 1692g and Other Federal Statutes To Whom It May Concern, This letter is a formal request for debt validation, as provided for by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, in regard to the alleged debt that you claim I owe. I recently noticed that your company is attempting to collect on, or has reported, the following account to the credit reporting agencies : 1. XXXX XXXX XXXX XXXX XXXXXXXX {$100.00} 2. XXXX XXXX XXXX XXXX {$62.00} 3. XXXX XXXX XXXX XXXX {$560.00} 4. XXXX XXXX XXXX XXXX {$750.00} 5. XXXX XXXX # XXXX {$260.00} 6. XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} 7. DEPT OF ED/XXXX  # XXXX {$590.00} 8. DEPT OF ED/XXXX  # XXXX {$5100.00} 9. DEPT OF ED/XXXX  # XXXX {$1800.00} 10. DEPT OF ED/XXXX XXXX XXXXXXXX {$3100.00} 11. DEPT OF ED/XXXX XXXX XXXXXXXX {$2600.00} 12. DEPT OF ED/XXXX # XXXX {$1700.00} 13. DEPT OF EDXXXX  # XXXX {$1000.00} 14. DEPT OF ED/XXXX XXXX XXXX {$2000.00} 15. DEPT OF ED/XXXX # XXXX {$5500.00} 16. DEPT OF EDXXXX XXXX XXXXXXXX {$7000.00} 17. XXXX XXXX # XXXX {$55000.00} 18. XXXX XXXX XXXX XXXX {$75.00} 19. XXXX XXXX XXXX XXXX {$50.00} 20. XXXX XXXX XXXX XXXX ) XXXX {$60.00} 21. XXXX XXXX XXXX XXXX {$60.00} 22. XXXX XXXX # XXXX {$75.00} 23. XXXX XXXX XXXX XXXX {$50.00} 24XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} 25. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$720.00} 26. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} 27. XXXX XXXX XXXXXXXX {$350.00} 28. XXXX XXXX XXXX XXXX XXXX  # XXXX {$960.00} Under 15 USC 1692g ( b ), I am exercising my right to dispute the validity of this alleged debt and request full verification. I am also requesting that, until proper validation is provided, you cease all collection activity, including reporting this account to any credit bureaus or further damaging my credit report.

Please provide the following : 1. A full accounting of the alleged debt, including the original creditors name and address, account number, and itemized charges.

2. A signed contract or agreement showing my liability for the debt.

3. Documentation proving your companys legal authority to collect on this debt.

4. Proof that this debt is still within the statute of limitations to be collected in my state.

5. A copy of any judgment ( if applicable ) you claim gives you the right to collect.

Legal Notice Until you provide the requested documentation, you may not legally continue to collect on this debt or report it under the FDCPA ( 15 USC 1692g ). Additionally : Under 15 USC 1692e, you are prohibited from making false, deceptive, or misleading representations.

Under 15 USC 1681s-2 ( b ) of the Fair Credit Reporting Act, you must update or delete inaccurate information if you are notified of a dispute.

Under 12 USC 5531 and 5536 ( Dodd-Frank Act ), any unfair or abusive collection or reporting activity is a federal violation.

If you can not provide full and proper validation within 30 days, you must immediately cease collection activities and remove all reporting from any credit bureau in accordance with federal law.

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general.

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