Consumer complaint received 2024-09-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Experian Experian XX/XX/XXXX XX/XX/XXXXXXXX Re XXXX Debt Validation Request for Account NumberXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX Dear Experian, I am writing to request validation of a debt that appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt reported to the credit bureaus. 

Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the debt. 
XXXX. A copy of the original signed agreement or contract that verifies this debt, including a wet signature from the original creditor. This request is essential to confirm that I explicitly agreed to the debt under the reported terms. 
XXXX. Documentation showing that the debt was legally assigned to the current creditor. This ensures that the current creditor has the legal right to collect on this debt. 
XXXX. A complete payment history, including any charges added for collection activities, to verify the accuracy of the reported amount and ensure there are no unauthorized or incorrect charges. 

This is a request for validation and proof that this debt is legally mine. I request that you cease all collection activities until this debt is validated. 

If this debt can not be validated, I request that it be removed from my credit report immediately in accordance with FCRA Section 605B, which requires credit bureaus to block or remove information resulting from identity theft or errors if they can not verify its accuracy. 

Additionally, please be aware that under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to this dispute within 30 days. Failure to do so, or if any incorrect information remains on my report, may result in a violation of federal law, allowing me to pursue legal action under Section 616 and Section 617 of the FCRA. These sections provide for actual damages, statutory damages, and potentially punitive damages for willful or negligent noncompliance with the FCRA. 

Thank you for your prompt attention to this request. I look forward to your response within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Re XXXX Debt Validation Request for Account Number XX/XX/XXXXXXXXXX/XX/XXXXXXXX Dear XXXX, I am writing to request validation of a debt that appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt reported to the credit bureaus. 

Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the debt. 
XXXX. A copy of the original signed agreement or contract that verifies this debt, including a wet signature from the original creditor. This request is essential to confirm that I explicitly agreed to the debt under the reported terms. 
XXXX. Documentation showing that the debt was legally assigned to the current creditor. This ensures that the current creditor has the legal right to collect on this debt. 
XXXX. A complete payment history, including any charges added for collection activities, to verify the accuracy of the reported amount and ensure there are no unauthorized or incorrect charges. 

This is a request for validation and proof that this debt is legally mine. I request that you cease all collection activities until this debt is validated. 

If this debt can not be validated, I request that it be removed from my credit report immediately in accordance with FCRA Section 605B, which requires credit bureaus to block or remove information resulting from identity theft or errors if they can not verify its accuracy. 

Additionally, please be aware that under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to this dispute within 30 days. Failure to do so, or if any incorrect information remains on my report, may result in a violation of federal law, allowing me to pursue legal action under Section 616 and Section 617 of the FCRA. These sections provide for actual damages, statutory damages, and potentially punitive damages for willful or negligent noncompliance with the FCRA. 

Thank you for your prompt attention to this request. I look forward to your response within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXRe XXXX Debt Validation Request for Account Number XX/XX/XXXXXXXX Dear XXXX, I am writing to request validation of a debt that appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt reported to the credit bureaus. 

Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the debt. 
XXXX. A copy of the original signed agreement or contract that verifies this debt, including a wet signature from the original creditor. This request is essential to confirm that I explicitly agreed to the debt under the reported terms. 
XXXX. Documentation showing that the debt was legally assigned to the current creditor. This ensures that the current creditor has the legal right to collect on this debt. 
XXXX. A complete payment history, including any charges added for collection activities, to verify the accuracy of the reported amount and ensure there are no unauthorized or incorrect charges. 

This is a request for validation and proof that this debt is legally mine. I request that you cease all collection activities until this debt is validated. 

If this debt can not be validated, I request that it be removed from my credit report immediately in accordance with FCRA Section 605B, which requires credit bureaus to block or remove information resulting from identity theft or errors if they can not verify its accuracy.

Additionally, please be aware that under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to this dispute within 30 days. Failure to do so, or if any incorrect information remains on my report, may result in a violation of federal law, allowing me to pursue legal action under Section 616 and Section 617 of the FCRA. These sections provide for actual damages, statutory damages, and potentially punitive damages for willful or negligent noncompliance with the FCRA. 

Thank you for your prompt attention to this request. I look forward to your response within 30 days. 

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