Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dc XXXX SS # XXXX Last 4 XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : FORMAL DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT COLLECTION ACCOUNT Creditor/Collector : XXXX XXXX XXXX Account Number XXXX XXXX Account Type : Collection Date Opened : XX/XX/year> Reported Balance : {$17000.00} Status : Collection account past due as of XX/XX/year> On Record Until : XX/XX/year> To Whom It May Concern, This letter constitutes a FORMAL DISPUTE, NOTICE OF FRAUD, AND DEMAND FOR IMMEDIATE DELETION of the above-referenced collection account currently being reported on my Experian credit file. 

I DO NOT RECOGNIZE, OWE, NOR HAVE I EVER AUTHORIZED this alleged debt. The reporting of this account is false, unverified, inaccurate, and legally unenforceable, and its continued presence on my credit report is a direct violation of federal law. 



FCRA VIOLATIONS STRICT LIABILITY ATTACHES Your continued reporting of this account violates, but is not limited to, the following provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 1681c ( a ) Reporting unverified and misleading collection data 1681i ( a ) ( 1 ) ( A ) Failure to conduct a lawful reinvestigation 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information 1681n & 1681o Willful and negligent noncompliance ( statutory and actual damages ) Experian is not permitted to rely on automated e-OSCAR responses or creditor data parroting. You are required to possess competent evidence of accuracy. If you can not produce such evidence, DELETION IS MANDATORY.

ADDITIONAL MATERIAL INACCURACIES This account contains multiple fatal defects, including but not limited to : No proof of contractual obligation No proof of consumer authorization No proof of ownership or assignment Inconsistent balance reporting No lawful validation prior to reporting Improper classification as an Individual responsibility These defects render the account legally unverifiable and unreportable.

DEMAND FOR ACTION Accordingly, I hereby demand that Experian : 1. IMMEDIATELY DELETE the XXXX XXXX XXXX collection account in its entirety 2. Cease all reporting of this account 3. Provide written confirmation of deletion 4. Notify all third parties who received my credit file of the correction pursuant to 1681i ( d ) NOTICE OF INTENT TO LITIGATE Failure to comply within the statutory 30-day period will leave me no alternative but to pursue civil litigation for willful FCRA violations , including claims for : Statutory damages Actual damages Punitive damages Attorneys fees and costs This letter serves as documented notice. No further warnings will be issued.

Govern yourselves accordingly. 



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