Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX To : Experian Information Services XXXX XXXX. XXXX XXXX XXXX, TX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Re : Formal Dispute, Cease & Desist, and Immediate Deletion of Alleged Debt / No Contract or Assignment Dear Experian Dispute Department and XXXX XXXX XXXX XXXX : This letter serves as a formal dispute, cease and desist notice, and demand for immediate deletion of the alleged debt reported under account number XXXX, associated with XXXX XXXX XXXX, currently reported by XXXX XXXX XXXX XXXX for {$11000.00}. 



1. Double Reporting & Unlawful Reporting The same alleged debt was previously reported by XXXX XXXX XXXX, which confirmed in writing to the CFPB : As of XX/XX/XXXX, your account was closed and returned to Colorado XXXX XXXX XXXX has submitted a deletion request of the tradeline to the credit reporting agencies. 

This demonstrates that XXXX no longer owned the account. Therefore, XXXX XXXX has no legal basis to report, collect, or furnish information regarding this same debt. Continuing to report constitutes duplicate and unlawful reporting. 



2. Lack of Legal Ownership / No Contract / No Assignment XXXX XXXX has admitted it is collecting on behalf of XXXX XXXX XXXX but no bill of sale, assignment of debt, or contractual/purchase agreement has ever been provided. 

No 1099-C has been issued by the creditor. 

Under FDCPA XXXX ( b ), proper validation of the debt is required ; without it, reporting or collection is unlawful. 

Under the Uniform Commercial Code ( UCC 3-301 and 9-406 ), a party can not enforce, collect, or report an obligation without legal assignment. 



3. FCRA Violations 15 U.S.C. 1681i ( a ) : Experian must conduct a reasonable reinvestigation and delete unverifiable information within 15 days. 

15 U.S.C. 623 ( a ) ( 1 ) ( A ) : Furnishers can not knowingly report inaccurate or duplicative information.

15 U.S.C. 1681s-2 ( b ) : XXXX XXXX must investigate and correct or delete disputed information. 

15 U.S.C. 616 & 617 : Willful noncompliance exposes both XXXX XXXX and Experian to statutory, actual, and punitive damages. 



4. FDCPA Violations 15 U.S.C. 1692c : All collection communications must cease after dispute notice. Continued reporting constitutes harassment.

15 U.S.C. 807 & 808 : Reporting a closed and deleted debt constitutes false representation of the debt and unfair/deceptive practices.

5. Emotional and Financial Harm Due to XXXX XXXX  unlawful reporting, I have suffered : Severe emotional distress, anxiety, and reputational damage due to false impairment of my credit profile. 

Financial hardship, including higher interest rates, credit denials, and inability to qualify for favorable mortgage terms. 



6. Cease and Desist Demand This letter also serves as a formal Cease and Desist notice under FDCPA 805 ( c ). XXXX XXXX and any associated parties are directed to : Immediately cease and desist all collection communications, including phone calls, letters, emails, and texts. 

Cease reporting this account to Experian, XXXX XXXX XXXX 

Provide written confirmation within 15 days that the disputed account has been permanently deleted from all credit reporting agencies. 

Failure to comply will result in : Filing complaints with the CFPB and the Florida Attorney Generals Office Pursuit of civil litigation for statutory, actual, and punitive damages under FCRA and FDCPA 7. Conclusion and Demand for Immediate Deletion Given : XXXX confirmed deletion of the account Lack of contract, assignment, or ownership by XXXX XXXX Continuing duplicate reporting of the same debt Emotional and financial harm caused I demand immediate and permanent removal of all related tradelines from my Experian file. 

If XXXX XXXX or Experian can not produce documented proof ( signed contract, bill of sale, or assignment ), they are required by law to delete the item within 15 days under 15 U.S.C. 1681i ( a ). 

Thank you for your immediate attention. 

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