Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Formal Dispute and Demand for Deletion of All Accounts - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, This letter serves as a formal dispute of any and all debts listed on my credit report under my name, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I hereby revoke any and all rights granted to you regarding my credit information. 

I am aware of the numerous legal actions taken against Experian, including the CFPB 's enforcement actions for sham investigations of credit report errors and the {$22.00} million class-action settlement regarding FCRA violations XXXX These actions highlight Experian 's systemic failures to comply with consumer protection laws. 

Specifically, I am disputing the following violations : FCRA Violations : I allege violations of 15 U.S.C. 1681s-2 ( b ) ( failure to conduct reasonable investigations ), 15 U.S.C. 1681n ( willful noncompliance ), and 15 U.S.C. 1681o ( negligent noncompliance ).

FDCPA Violations : I allege violations of 15 U.S.C. 1692e ( false or misleading representations in debt collection ). 
CFPB Regulations : A collection account has been placed on my consumer report without providing me with the validation information required under 12 CFR 1006.34 ( b ) ( 5 ). Furthermore, I have been denied the opportunity to dispute this account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

12 CFR 1006.34 ( D ) and 15 USC 1681-S 2 ( 7 ) ( A ) Violations : The collection agency furnishing this information has done so without providing all legally required disclosures and is therefore in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). The collection agency is using false, misleading, misrepresentative, and deceptive means. They have no authority to furnish any account to a consumer reporting agency without providing all disclosures required by law. 
Therefore, I demand the following : Debt Validation : I demand complete and thorough validation of any and all debts reported under my name. This must include, but is not limited to, the original creditor 's name, the account number, the date of default, and a detailed breakdown of the debt. 
Purchase Agreement : I request a copy of the purchase agreement between the collection agency and the original creditor, demonstrating their legal right to collect this debt. 
Licensing and Bonding : I request proof that the collection agency is properly licensed and bonded to operate in my state. 
Immediate Deletion : I demand the immediate deletion of all disputed accounts from my credit report. 
Failure to comply with these demands will result in further legal action. 

Please provide all requested information within 14 days of receipt of this letter. 

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