Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX To : Experian XXXX XXXX XXXX  XXXX, TX XXXX RE : Second Request Demand for Full Validation and XXXX Disclosure under FCRA, FDCPA, and IRS Regulations Account Number : Account XXXX XXXX XXXXXXXX Reported Late on XX/XX/XXXX Account XXXX XXXX XXXXXXXX Reported Late on XX/XX/XXXX Account XXXX : XXXX Reported Late on XX/XX/XXXX Account XXXX XXXX XXXX XXXXXXXX : XXXX Reported Late on XX/XX/XXXX Account XXXXXXXX XXXX XXXX XXXX Reported Late on XX/XX/XXXX Account Capital XXXX : XXXX Reported Late on XX/XX/XXXX Account XXXX XXXXXXXX : XXXX Reported Late on XX/XX/XXXX Account XXXX XXXX : XXXX Reported Late on XX/XX/XXXX Account XXXX Funding : XXXX Reported Late on XX/XX/XXXX Account XXXX XXXX : XXXX Reporting Date Not Provided Account XXXX XXXX  : XXXX Reporting Date Not Provided Account XXXX XXXX  XXXX : XXXX Reported Late on XX/XX/XXXX To Whom It May Concern : This letter serves as a second formal demand for full validation of the above-referenced account, which you have reported as a charge-off to the credit bureaus. I submitted a prior request on XXXX XXXX and to date, you have failed to fully validate this debt as required under 15 U.S.C. 1692g ( b ) ( Fair Debt Collection Practices Act ) and 15 U.S.C. 1681i ( Fair Credit Reporting Act ).

Specifically, you have failed to provide the following critical information : 1. A copy of the original signed agreement or contract establishing the debt.

2. A complete payment history and breakdown of how the balance was calculated.

3. A copy of IRS Form XXXX, if one was issued, which would confirm that this debt was canceled or forgiven.

If you have issued a Form XXXX to the IRS, then you have effectively acknowledged that the debt was legally canceled and is no longer collectible. Continuing to report it as a charge-off or attempting to collect on it may constitute a violation of FCRA, FDCPA, and potentially IRS guidelines . You are also required by federal law to provide a copy of any XXXX  filed with the IRS concerning this debt, as it pertains directly to me as the alleged debtor.

I remind you that you are legally prohibited from reporting inaccurate or incomplete information to the credit bureaus. Any failure to provide full verification of the debt, including the XXXX, constitutes continued violation of the FCRA ( 15 U.S.C. 1681s-2 ), and I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , IRS, and my state Attorney Generals office if no resolution is provided within 15 days.

Demand for Immediate Action : Provide full verification of the debt, including the 1XXXX  within 15 days of receipt of this letter.

Cease and desist any further reporting or collection activity unless and until proper validation is provided.

If no XXXX exists, provide a signed statement under penalty of perjury affirming that no cancellation of debt was filed or reported to the IRS.

This letter is being sent via Certified Mail for proof of delivery. Failure to comply will result in formal complaints and potential legal action. 

Sincerely, XXXX XXXX XXXX Last Four Digits of my SSN 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