Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Final Notice Before Legal Action Failure to Provide Debt Validation Continued Failure to Provide Legally Required Debt Validation Final Demand Before Litigation To Whom It May Concern, I am writing yet again regarding the inaccurate and unverified debts associated with 1.XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXXXXXX XXXX XXXX-XXXXXXXXXXXXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX XXXX XXXX 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 3. XXXX XXXX XXXX Apt XXXX XXXX, Texas XXXX XXXX. XXXX XXXX XXXX which remains on my credit report and continues to be pursued unlawfully. I have repeatedly disputed these debts and have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding your continued failure to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Despite multiple attempts to resolve this matter through legal channels, you have continued to ignore the law, disregard my consumer rights, and engage in unfair and deceptive practices. Instead of providing the legally required documentation proving the validity of these debts, you have simply sent billing statements or recycled responses, which do not meet the legal standard for validation.

LEGAL REQUIREMENTS ( Which You Have Failed to Meet ) For debt collectors under the FDCPA, proper validation requires : 1. A copy of the original signed contract proving I agreed to this debt.

2. A detailed account history showing the debts origination and calculations.

3. The name and address of the original creditor ( not just the current collector ).

4. Proof that you legally own or are authorized to collect on this debt.

For credit bureaus under the FCRA, proper validation requires : 1. The method of verification ( MOV ) used to confirm this accounts accuracy.

2. Documents from the original creditor proving the debts validity.

3. A reasonable investigation, per 15 U.S.C. 1681i ( a ) ( 1 ), which has not been conducted.

MULTIPLE VIOLATIONS & LEGAL CONSEQUENCES Your continued failure to comply with federal laws constitutes repeated and willful violations, including but not limited to : 1. FDCPA Violations ( For Debt Collectors ) 15 U.S.C. 1692g ( b ) Failure to validate debt upon request.

15 U.S.C. 1692e ( 2 ) ( A ) Misrepresentation of the legal status of the debt.

15 U.S.C. 1692f Use of unfair and unconscionable collection practices.

2. FCRA Violations ( For Credit Bureaus ) 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681s-2 ( b ) Continuing to furnish inaccurate data without verification.

Under 15 U.S.C. 1681n & 1681o, I am entitled to seek statutory damages of up to {$1000.00} per violation, plus actual damages, punitive damages, and attorney fees in federal court.

FINAL DEMAND YOU HAVE 5 DAYS TO COMPLY Since you have demonstrated a pattern of willful noncompliance, I am now taking aggressive legal action. You have five ( 5 ) business days from receipt of this letter to : 1. Immediately delete this unverified debt from my credit reports.

2. Cease all collection activities, including phone calls, letters, and reporting.

3. Provide LEGAL debt validation, including the original signed contract. 
NEXT STEPS : LITIGATION IS IMMINENT Since you have ignored multiple disputes and CFPB complaints, I am now escalating this matter beyond regulatory agencies. If you fail to comply within 5 business days, I will immediately proceed with the following actions without further notice : 1. File a lawsuit in Small Claims or Federal Court for damages under the FCRA and FDCPA, seeking all allowable compensation, including punitive damages.

2. Report you to the Federal Trade Commission ( FTC ), the State Attorney General, and the Better Business Bureau ( BBB ) for violations of federal and state consumer laws.

3. Notify the Consumer Financial Protection Bureau ( CFPB ) of your ongoing violations and failure to comply with federal lawrequesting enforcement action.

4. File a motion with the court to subpoena your internal records, including MOV requests and dispute handling procedures, to expose your failure to investigate.

5. Pursue additional legal remedies, including class action participation, if applicable.

This is your FINAL OPPORTUNITY to correct this matter before I take legal action. A failure to comply will result in a court order forcing you to correct this issue, financial penalties, and potential regulatory enforcement. 

TAKE THIS COMPLAINT SERIOUSLY. FAILURE TO RESPOND WITH LEGALLY VALID DOCUMENTATION WILL RESULT IN LEGAL ACTION WITHOUT FURTHER NOTICE. 

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