Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this formal complaint against the following entities who are reporting inaccurate and unauthorized information to the consumer reporting agencies. This letter serves as a debt validation request, a cease and desist notice, and a demand for full chain of assignment and original contract agreements under my rights granted by : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c Fair Credit Reporting Act ( FCRA ), 605B Green v. Portfolio Recovery Associates, LLC ( 2019 ) -- - Accounts in Question ( Inaccurate and Unverified ) : XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX Closed on XX/XX/XXXX XXXX. XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$310.00} XXXX. XXXX XXXX Opened XX/XX/XXXX {$610.00} XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$12000.00} I dispute the accuracy and legality of these accounts. The collectors and furnishers listed above have not provided any signed contracts, proof of ownership, or full chain of assignment showing they legally acquired any debt allegedly owed. Without proper validation, these debts can not be legally collected or reported. 

Demand for Validation and Assignment Proof In accordance with 15 USC 1692g ( b ), I demand full validation of these accounts. Specifically, I require : 1. A signed contract bearing my wet ink signature.

2. A complete chain of assignment from the original creditor to the current entity. 


XXXX. The name and address of the original creditor. 


XXXX. Proof of legal ownership of the debt and authorization to collect in my state. 



Without the above documentation, you are requested to permanently delete these accounts from all consumer reports, as continued reporting constitutes willful misrepresentation under the FCRA and FDCPA. 


-- - Cease and Desist Notice Under 15 USC 1692c ( c ), you are hereby notified to cease all forms of collection activity, including phone calls, emails, letters, and reporting to consumer reporting agencies. Continued contact beyond this notice will be considered harassment and a violation of federal law. 


-- - Unauthorized Reporting and Inquiries Furthermore, I demand the removal of all hard and soft inquiries related to these accounts and entities from my credit report. I never gave written authorization to any of these third-party debt collectors or furnishers to access or report information to the credit bureaus. Their actions are in direct violation of FCRA 604 ( a ) ( 3 ) and 605B. 

Legal Precedent : Green v. PRA In Green v. Portfolio Recovery Associates, LLC, the court held that failure to validate debt or prove legal ownership renders the debt unenforceable and void of collection activity. This precedent supports my position and reaffirms that unverified, unverifiable debts must be removed from the consumers credit file. 


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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