Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
SUBJECT : FORMAL REQUEST FOR REINVESTIGATION & CEASE AND DESIST XXXX XXXX XXXX ACCOUNT Re : Disputed Account # XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance Reported : {$960.00} Date Opened : XX/XX/year> To Whom It May Concern : This letter serves as a formal dispute and demand for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, regarding the account reported by XXXX XXXX XXXX, a third-party debt buyer claiming ownership of a purported debt originally associated with XXXX XXXX XXXX. 

This debt is not recognized, and I dispute its validity in its entirety. I hereby demand an immediate reinvestigation and deletion of this account from my credit file if you can not provide verifiable proof of its accuracy and completeness. 

I DEMAND THE FOLLOWING IMMEDIATELY : A full reinvestigation of this account as required under 15 U.S.C. 1681i. 

Proof of ownership and legal right to report and collect this debt. 

A copy of the original signed contract with my wet signature. 

Chain of custody/assignment from the original creditor to XXXX XXXX. 

Copy of any insurance claim paid out on this debt. 

Forward Flow Agreement or Purchase Agreement between XXXX XXXX XXXX XXXX XXXX 

Full account history, including all payment history, interest rates, and charges. 

Proof of licensing for debt collection in [ Your State ]. 

If you are unable to produce the above within 30 days, this account must be removed from all three credit bureaus. Failure to do so constitutes a violation of the FCRA and FDCPA and may subject you to statutory damages of {$1000.00} per violation, plus actual damages, punitive damages, court costs, and attorney 's fees under 15 U.S.C. 1681n and 15 U.S.C. 1692k.

LEGAL VIOLATIONS BEING ASSERTED : FCRA 15 U.S.C. 1681s-2 ( b ) Failure to conduct proper reinvestigation. 

FDCPA 15 U.S.C. 1692g Failure to validate the debt upon request.

FCRA 15 U.S.C. 1681e ( b ) Failure to maintain accurate and complete information.

FDCPA 15 U.S.C. 1692e Misrepresentation of character, amount, or legal status of the alleged debt. 

FORMAL CEASE AND DESIST DEMAND ( TO XXXX XXXX XXXX ) : Under XXXX5 U.S.C. 1692c ( c ), you are hereby notified to CEASE AND DESIST all communication with me regarding this alleged debt. You are prohibited from contacting me at home, work, or any other means. Any further communication not authorized by law will be considered harassment and may result in legal action. 

DEMAND FOR BUREAUS : If the account can not be verified with full documentation, including the original wet-ink signature, it must be deleted immediately from my credit file.

You are also directed to : Mark this account as " IN DISPUTE '' as required under FCRA 15 U.S.C. 1681c-2 ( a ) ( 3 ). 

Send a complete updated credit report to my address listed above after the reinvestigation is complete. 

FINAL NOTICE : Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office. Legal action may be pursued for willful noncompliance and continued reporting of unverifiable data.

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