Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this letter as a formal complaint and request for investigation regarding what I believe are multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by a debt collector and/or credit reporting agencies. Additionally, I am requesting that the CFPB intervene to assist in having this collection account permanently removed from my credit report. 

1. Information About the Disputed Debt Creditor/Debt Collector : XXXX XXXX I Amount in Dispute : {$1500.00} Credit Reporting Agencies Affected : [ Experian, XXXX, XXXX  ] 2. Summary of Disputes and Alleged Violations a. Violation of FDCPA 15 U.S. Code 1692g ( Validation of Debts ) I never received a proper debt validation notice within five days of initial communication as required under 15 U.S.C. 1692g ( a ). The collector failed to provide : The amount of the debt ; The name of the original creditor ; Notification of my right to dispute the debt ; Proof of the debt in writing upon request. 

b. Violation of FCRA 15 U.S.C. 1681s-2 ( b ) ( Inaccurate or Incomplete Reporting ) The collection account is being reported inaccurately and without proper verification. The collector and the credit bureaus failed to conduct a reasonable investigation upon my dispute, in violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to correct or delete inaccurate information ; 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) Furnishers must correct and update information.

c. Violation of FDCPA False, Deceptive, or Misleading Representations If the collector is reporting a paid, settled, time-barred, or disputed debt as active or unpaid, this is a deceptive practice under 15 U.S.C. 1692e.

d. Re-aging of Debt If the collector has reset the Date of First Delinquency to a more recent date, they are violating FCRA guidelines by illegally extending the reporting period beyond the 7 years permitted under 15 U.S.C. 1681c ( a ) ( 4-5 ).

e. Failure to Provide Original Creditor Information If the debt was sold or transferred and the collector has not provided information proving ownership and chain of custody, this violates both FDCPA and FCRA regulations.

3. Actions Requested I am formally requesting the following actions be taken : 1.Investigate the practices of the collector and any involved credit reporting agencies.

2.Compel the collector to provide : Full validation of the alleged debt including original creditor details, dates, and signed agreements.

Proof of legal right to collect the debt.

3.Remove the collection account from all of my credit reports if the debt can not be validated or if violations are confirmed.

4.Impose appropriate penalties if violations of consumer protection laws are confirmed.

Conclusion Under both federal and state consumer protection laws, I have the right to dispute any debt and demand validation before it is reported to or remains on my credit profile. If the debt collector can not meet the legal standard for reporting and collecting the alleged debt, it must be removed from my credit file immediately.

Please investigate this matter and advise me on the status of your review. Thank you for your time and assistance in protecting consumer rights.

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