Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the debt referenced in your communication dated account open XXXX Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX DATE OPEN XXXX ITS XXXX exceeding 7 YEAR MARK AND INACCURACY Account name XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$970.00} written off. {$970.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$970.00} Balance updated XX/XX/XXXX DATE OPEN XXXX EXCEEDING 7 YEARS MARK AND INACCURACY ITS XXXX Account name XXXX CARDS/CITIBANK Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$2600.00} Balance updated XX/XX/XXXX DATE OPEN XXXX EXCEEDING 7 YEARS MARK AND INACCURACY ITS XXXX Account name XXXX BANK Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$7700.00} DATE OPEN XXXX EXCEEDING 7 YEARS MARK AND INACCURACY ITS XXXX Account name XXXX CARD Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$3700.00} DATE OPEN XXXX EXCEEDING 7 YEARS MARK AND INACCURACY ITS XXXX THE XXXX XXXX BANK Account XXXX XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$6.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$6400.00} Account name XXXX XXXX Account number XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$550.00} written off. {$550.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$550.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$250.00} XXXX updated XX/XX/XXXX I request that you provide validation and original documentation of this debt, as required by law, and that you cease reporting it to the credit bureaus until such validation is provided. 

Legal Grounds for Dispute and Deletion Request 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ) : Under the FCRA, negative information, including debts, must be removed from a consumers credit report after XXXX years from the date of the original delinquency. If this debt is older than XXXX years, it must be deleted from my credit report. 
2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Upon my request, you are required to provide verification of the debt within 30 days. This verification must include : The amount of the debt. 
The name of the creditor to whom the debt is currently owed. 
A copy of the original contract or agreement bearing my signature. 
A detailed payment history. 
Failure to provide this documentation within the specified time frame constitutes a violation of the FDCPA. 
3. Consumer Financial Protection Bureau ( CFPB ) Regulation F 12 CFR Part 1006 : Regulation F implements the FDCPA and mandates that debt collectors provide specific information when validating a debt. This includes : The amount of the debt. 
The name of the creditor. 
A statement that the consumer has 30 days to dispute the debt. 
A statement that if the debt is disputed, the collector will obtain verification. 
If you fail to provide this information, you are in violation of Regulation F. 

Request for Action In light of the above, I demand the following actions : Provide the original documentation validating the debt, including the original signed agreement and a complete payment history. 
Cease reporting this debt to all credit bureaus until proper validation is provided. 
If the debt is older than XXXX years from the original delinquency date, remove it from my credit report immediately. 

Consequences of Non-Compliance Please be advised that failure to comply with these legal requirements may result in the following actions : Reporting your non-compliance to the Federal Trade Commission ( FTC ). 
Pursuing legal action for violations of the FDCPA and FCRA. 

Formal Debt Dispute and Validation Request under 15 U.S. Code 1692g This letter is a formal dispute of the alleged debt account referenced in your correspondence ( Account No : [ Insert Account Number, if known ] ) and a demand for immediate validation and full verification as required under federal law. I do not acknowledge, nor do I owe, any debt to your organization. Furthermore, your company appears to be a third-party debt collector, and under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq., I am asserting my right to request validation and dispute any unverified collection attempts. 

You Must Cease Collection Efforts Until the Following Are Provided : Under 15 U.S.C. 1692g ( b ), collection efforts must stop until the following are provided : 1. A copy of the original signed contract or agreement bearing my signature, showing that I have a legal obligation to pay the original creditor.

2. Proof of assignment of the alleged debt showing legal transfer of ownership of the account, in full and unredacted form.

3. Itemized accounting of the alleged debt from inception to present.

4. Proof that your company is not a third party, including : Chain of title documentation with dates of assignment/sale. 
Purchase agreement or bill of sale ( including terms and conditions ). 
Documentation that you own the debt, not merely servicing or collecting on behalf of another entity. 
Business license or registration proving your legal authority to collect in my state. 

Relevant Laws Supporting This Dispute : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p 15 U.S. Code 1692g Validation of debts 15 U.S. Code 1692e False or misleading representations 15 U.S. Code 1692c Communication with consumers Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

15 U.S. Code 1681s-2 Responsibilities of furnishers of information Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.

Failure to comply with these statutes and furnish the requested documentation in full within 30 days will constitute a waiver of any claim against me and a demand for immediate deletion of this tradeline from all credit reporting agencies per your legal obligations under the FCRA. 

If your company continues to report inaccurate or unverifiable information to the credit bureaus, it will be considered willful noncompliance under 15 U.S.C. 1681n, and I will pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General. 
Again I am requesting original documents with wet ink signature along side my government identification proving these are my debts or delete items immediately

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