Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
* * FRAUDULENT ACCOUNT DISPUTE & DEBT VALIDATION NOTICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : FRAUDULENT ACCOUNTS/ UNAUTHORIZED COLLECTION ACTIVITY DO NOT REINSERT XXXX XXXX  Dear Compliance Department XXXX This letter serves as a XXXX XXXX  formal fraud dispute and validation demand XXXX XXXX  under the XXXX XXXX Fair Credit Reporting Act ( FCRA ) * * 604 ( a ) ( 2 ), 609, 611, 623, 605B and the * * Fair Debt Collection Practices Act ( FDCPA ) * * XXXX and XXXX. 

I am disputing any and all accounts or claims associated with my name, * * XXXX XXXX * *, SSN ending in XXXX, that have been reported or collected by your company. These accounts are * * not mine * * and appear to be the result of * * identity theft or misidentification * *. I have * * no contractual relationship * * with your organization or any creditor you claim to represent. 

Under the above federal laws, you are required to : XXXX. * * Provide complete validation * * of the alleged debt, including : * The original creditors full name and address * Original account number and dates of alleged activity * An itemized statement of the alleged balance * A copy of any original signed application or agreement bearing my signature XXXX. * * Immediately cease all collection activity * * and communication until the debt has been validated. 

XXXX. * * Cease and desist from reporting * * this fraudulent information to any credit reporting agency. 

XXXX. * * Remove any and all negative or inaccurate reporting * * immediately from my credit profile. 

XXXX. * * Do not reinsert * * any information you have deleted or corrected * * unless you have fully verified its accuracy and provided written certification to me * *, as required by * * FCRA 611 ( a ) ( 5 ) ( B ) * * and * * 605B ( c ) * *. Any unauthorized re-insertion will be considered a * * willful violation * * subject to * * statutory damages of up to {$1000.00} per occurrence * * under * * FCRA 616 and 617 * *. 

Failure to comply will result in a complaint filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and the * * Virginia Attorney Generals Office * *, along with pursuit of all available civil remedies. 

Please provide written confirmation that this dispute has been received and that all collection and reporting activity has been suspended pending full validation within * * 30 days * * of this notice. 

Sincerely, * * XXXX XXXX * * XXXX XXXX XXXX XXXX, VA XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXXXXXX 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