Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding a debt collection matter involving XXXX XXXX XXXX ( XXXX  ), concerning an account originally held with XXXX XXXXXXXX XXXX XXXX, account ending in XXXX, now listed under XXXX  account number XXXX. 
XXXX  sent me a letter stating that although the account was charged off and sold, the underlying promissory obligations remain valid and due. I am disputing this claim and have requested full validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
To date, I have not received adequate documentation that proves : - XXXX 's legal right to collect the debt, - The full chain of title from XXXXXXXX XXXX XXXX XXXXXXXX, - A signed agreement or promissory note, - A complete breakdown of the amount allegedly owed. 
I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX XXXX complies with federal law. Furthermore, I ask that they cease collection efforts until full validation is provided and that this matter is resolved fairly. 
Thank you for your assistance. 
Sincerely, XXXX XXXX Whom It May Concern, I am filing a formal complaint regarding a debt collection matter involving XXXX XXXX XXXX ( XXXX  ), concerning an account originally held with XXXXXXXX XXXX XXXX XXXXXXXX, account ending in XXXX, now listed under XXXX  account number XXXX. 
XXXX  sent me a letter stating that although the account was charged off and sold, the underlying promissory obligations remain valid and due. I am disputing this claim and have requested full validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
To date, I have not received adequate documentation that proves : - XXXX 's legal right to collect the debt, - The full chain of title from XXXXXXXX XXXX XXXX XXXXXXXX, - A signed agreement or promissory note, - A complete breakdown of the amount allegedly owed. 
I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX XXXX complies with federal law. Furthermore, I ask that they cease collection efforts until full validation is provided and that this matter is resolved fairly. 
Thank you for your assistance. 
Sincerely, XXXX XXXXTo Whom It May Concern, I am filing a formal complaint regarding a debt collection matter involving XXXX XXXX XXXX ( XXXX  ), concerning an account originally held with XXXXXXXX XXXX XXXX XXXXXXXX, account ending in XXXX, now listed under XXXX  account number XXXX. 
XXXX  sent me a letter stating that although the account was charged off and sold, the underlying promissory obligations remain valid and due. I am disputing this claim and have requested full validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
To date, I have not received adequate documentation that proves : - XXXX 's legal right to collect the debt, - The full chain of title from XXXX XXXXXXXX XXXX XXXXXXXX, - A signed agreement or promissory note, - A complete breakdown of the amount allegedly owed. 
I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX XXXX complies with federal law. Furthermore, I ask that they cease collection efforts until full validation is provided and that this matter is resolved fairly. 
Thank you for your assistance. 
Sincerely, XXXX XXXXTo Whom It May Concern, I am filing a formal complaint regarding a debt collection matter involving XXXX XXXX XXXX ( XXXX  ), concerning an account originally held with XXXXXXXX XXXX XXXX XXXXXXXX, account ending in XXXX, now listed under XXXX account number XXXX. 
XXXX  sent me a letter stating that although the account was charged off and sold, the underlying promissory obligations remain valid and due. I am disputing this claim and have requested full validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
To date, I have not received adequate documentation that proves : - XXXX 's legal right to collect the debt, - The full chain of title from XXXX XXXX XXXX  XXXX, - A signed agreement or promissory note, - A complete breakdown of the amount allegedly owed. 
I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX XXXX complies with federal law. Furthermore, I ask that they cease collection efforts until full validation is provided and that this matter is resolved fairly. 
Thank you for your assistance. 
Sincerely, 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