Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX RE : FORMAL DEMAND FOR DEBT VALIDATION, CHAIN OF ASSIGNMENT, AND FULL METRO 2 COMPLIANCE FCRA VIOLATION NOTICE & NOTICE OF LEGAL PRESERVATION To Whom It May Concern, This is a formal notice and DEMAND for IMMEDIATE ACTION under my rights as a consumer pursuant to the Fair Credit Reporting Act ( 15 U.S.C . 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), CFPB guidelines, and the Metro 2 Compliance Reporting Format.

The account in question is being reported by your agency as follows : Collection Agency : XXXX XXXX XXXX  Original Creditor : XXXX Account Number : XXXX Amount Reported : {$270.00} This alleged debt is being reported without sufficient proof of ownership, assignment, or legal right to collect. I am demanding, within the timeframe established under FCRA 1681i ( a ) ( 1 ), that you : 1. 2. Furnish full debt validation documentation, including : Original creditor name, original agreement bearing my signature.

Complete payment history and a breakdown of any alleged charges.

Exact date of first delinquency and default per Metro 2 standards.

Any correspondence evidencing prior notice to me.

Produce the full chain of assignment or purchase agreement showing legal transfer from the original creditor to any current debt collector or furnisher. 

Redacted " bill of sale '' summaries are insufficient. Full contracts are required to validate ownership, per legal precedent.

Failure to provide the above will constitute a willful violation of FCRA 1681i, which mandates that only verifiable and accurate information be reported. Any unverifiable or inaccurate data must be removed immediately.

This demand is supported by the XXXX decision in Green v. Portfolio Recovery Associates, LLC, 91 F.4th 132 ( 9th Cir. 2024 ). In that ruling, the court held that credit reporting entities and furnishers who fail to produce actual
documentation proving ownership of the debt and the right to collect are in violation of the FCRA and subject to damages.

You are hereby placed on notice : if this matter is not resolved within the legally mandated period, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. I am also prepared to pursue civil litigation for willful noncompliance and injury under 15 U.S.C. 1681n.

You are required by law to investigate and respond within 30 days. Your response must include the requested documentation, or you must REMOVE this account from all reporting systems.

This letter serves as a legal preservation notice. Any tampering with or destruction of documents relevant to this matter will be considered evidence of bad faith and obstruction.

Govern yourselves accordingly. 
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