Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Formal Request for Debt Validation Account Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and request validation of the debt reported under XXXX on my credit report. The account, which is listed as a charge-off in collections, reflects an unpaid balance reported as a loss by the original creditor. After reviewing my credit history, I do not recognize or acknowledge this debt as valid, and I am requesting full validation of this account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Please be advised that this letter is not an acknowledgment of liability for this debt, but a request for documentation to verify the accuracy and legitimacy of the account reported. 

Disputed Account Details : Creditor Name : XXXX Account Number ( Last XXXX Digits ) : XXXX Reported Balance : {$0.00} Current Balance : {$0.00} Status : Collection / Charge-Off Loan Type : Installment sales contract Loan Term : 6 months Opened : XX/XX/XXXX Reported : XX/XX/XXXX Remarks : Purchased by another lender | Unpaid balance reported as a loss by the credit grantor Requested Documentation : In accordance with the FDCPA and FCRA, I request that you provide the following documentation in order to validate the debt and verify its accuracy : 1. Proof of Debt Ownership : Provide documentary evidence that this debt belongs to me, including any agreements, original documents, or statements that substantiate this claim.

2. Original Agreement : A copy of the original contract or agreement that created this debt, including the terms and conditions of the loan. 
XXXX. Payment History and Charges : A full payment history, including itemized charges, payments, and any additional fees or penalties applied to the account.

4. Authorization to Collect : Verification of your legal authority to collect this debt, including documentation confirming the assignment or sale of the account to your company or any other entity that may hold this debt. 

If you are unable to provide the requested documentation to validate this debt within 30 days of receiving this letter, I request that you immediately : Remove this account from my credit report.

Cease all collection efforts, including reporting to any credit bureaus.

Please be aware that your failure to provide the necessary validation or to remove the unverified account may lead me to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX Attorney Generals Office, and the Federal Trade Commission ( FTC ). I will also consider seeking legal recourse for any violations of the FDCPA and FCRA in connection with this matter. 

Kindly direct all correspondence regarding this matter to the address listed above. I expect your response and validation documents within 30 days, as required by law. 

Thank you for your prompt attention to this serious matter. 

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