Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
This letter constitutes a formal request for an investigation into the procedures used by your agencies in reporting a collection account by XXXX XXXX XXXX XXXX and a demand for compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I am requesting a detailed review of the processes you employed to ensure the accuracy and validity of the collection account listed on my credit reports by XXXX XXXX XXXX XXXX, especially in light of the fact that XXXX XXXX has failed to validate this debt NOT VERIFY. 
Reasons for Dispute and Request for Procedural Investigation : I dispute the validity and/or accuracy of this collection account for the following reasons : Lack of Validation by XXXX XXXX AND Other Reasons : " I do not owe this debt. Furthermore, XXXX XXXX uses XXXX XXXX XXXX XXXX for debt validation, and XXXX XXXX has failed to provide me with sufficient documentation to validate this debt despite my formal written request for validation. 
The amount of the debt The name and address of the original creditor A copy of the original agreement or contract bearing your signature The chain of custody or assignment showing how the debt was transferred to the collector A detailed accounting of the total amount, including interest, fees, etc. 
Proof that the collection agency is licensed to collect in your state. 
Request for CRA Procedural Investigation : In addition to disputing the validity of the debt itself, I am formally requesting a thorough review of the procedures you, TransUnion, employed in reporting this collection account. I am requesting the following information and actions under the FCRA and the FDCPA : XXXX. Verification Procedures : Please provide a detailed explanation of the steps you took to verify the accuracy of the information provided by XXXX XXXX XXXX XXXX before including this account on my credit report, as required by 15 U.S.C. 1681e ( b ). Did you independently verify the debt with the original creditor, or did you solely rely on information provided by the collection agency? Did you consider the fact that XXXX XXXX has failed to validate the debt? 
XXXX. Source of Information : Please provide the name and contact information of the specific individual ( XXXX ) at XXXX XXXX XXXX who provided the information about this account to your agency, as per 15 U.S.C. 1681g ( a ) ( 2 ). 
XXXX. Documentation Reviewed : What specific documentation did you review from XXXX XXXX XXXX XXXX and from XXXX XXXX ( if any ) to support the validity of this debt? Please provide copies of any such documentation, with any sensitive information redacted as necessary. 
XXXX. Compliance with FCRA Requirements for Collection Accounts : Has XXXX XXXX XXXX XXXX certified its compliance with all applicable provisions of the FCRA regarding the reporting of collection accounts, including providing accurate and complete information? How is this ensured? 
XXXX. Dispute Resolution Process : Please describe the process by which you will investigate this dispute, including the steps you will take to contact XXXX XXXX XXXX XXXX and obtain documentation to support their claim. How will you ensure that my dispute is not simply forwarded to the collection agency without independent verification, especially given XXXX XXXX 's failure to validate the debt? 
XXXX. Reinsertion Policy : When this account is found to be inaccurate and is removed from my credit report, please provide assurance that it will not be re-inserted without proper verification and validation and notification to me, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Alleged Violations of Federal Law : The failure of XXXX XXXX XXXX XXXX to validate this debt, combined with the continued reporting of this collection account, suggests potential violations of the following federal laws : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) ( Validation of Debts ) : This section states that if a consumer disputes a debt in writing within 30 days of receiving the initial communication from the debt collector, the debt collector must cease collection activities until it obtains verification of the debt and mails a copy of such verification to the consumer. Given that XXXX XXXX is purportedly used for debt validation by XXXX XXXX XXXX XXXX, their failure to validate this debt is a direct violation of this section. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( False or misleading representations ) : Reporting a debt without proper validation can be considered a false or misleading representation in connection with the collection of any debt. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( Duty to provide accurate information ) : If XXXX XXXX XXXX XXXX reported inaccurate information about this debt, they may have violated their duty to provide accurate information to the credit reporting agencies. 
Demands : I demand that you : Conduct a thorough and independent investigation into the validity of this collection account, taking into account the failure of XXXX XXXX to validate the debt. 
Provide me with a detailed response outlining the procedures you followed to verify the accuracy of this information, as requested above. 
Remove the inaccurate collection account from my credit report immediately. 
Provide written confirmation that the inaccurate account has been deleted. 
I understand that under the FCRA, you are required to respond to this request within 30 days. Failure to comply with the FCRA and the FDCPA may result in further action. 
Any documentation supporting your claims ( e.g., proof of payment, police report, FTC affidavit, copy of request for validation sent to XXXX XXXX, any response from XXXX XXXX, etc. ) Important Considerations : Document XXXX XXXX Failure : Ensure you have clear documentation that you requested validation from XXXX XXXX and that they failed to provide it. This is crucial for your case. 
Verify FDCPA Applicability : The FDCPA applies to " debt collectors. '' Make sure that XXXX XXXX XXXX XXXX meets the definition of a " debt collector '' under the FDCPA. 
State Laws : Remember to check for any relevant state laws related to debt collection practices. 
Consult an Attorney : Given the potential FDCPA violations, consulting with a consumer law attorney is highly recommended. ( MARYLAND ) Send to All Parties : Consider sending a similar letter to XXXX XXXX XXXX XXXX and XXXX Data ( if you have their address ), demanding validation of the debt

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