Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
First of all the only reason I'm filing this to you now because their portals won't allow you to get in and find a directly to them which is in the selfish of violation. Below is a concise, assertive, and legally forceful demand letter tailored to your request. It incorporates violations under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), specifically citing 15 U.S.C. 1692e and 1692c, along with relevant case law and statutory provisions. The letter demands proof of investigation, MOV ( method of verification ) purchase agreements, and initiates arbitration. Ill provide the text in a format suitable for conversion to a PDF, but I can not directly create or attach a PDF file. You can copy this text into a document editor ( e.g., XXXX XXXX or XXXXXXXX XXXX  ) and export it as a PDF.DEMAND FOR IMMEDIATE COMPLIANCE AND NOTICE OF INTENT TO ARBITRATETo Whom It May Concern, Your entity has engaged in egregious violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), causing me substantial harm. Specifically : FDCPA Violations : You have employed false, deceptive, and misleading representations in debt collection, including mischaracterizing the legal status of the alleged debt ( 15 U.S.C. 1692e ), as established in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) .You have communicated with me at prohibited times and persisted after my cease-communication demand ( 15 U.S.C. 1692c ), violating consumer protections affirmed in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) .You have failed to cease collection activity after my written dispute, neglecting to provide validation as mandated by 15 U.S.C . 1692g ( b ), a violation recognized in XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX Violations : You have failed to conduct a reasonable investigation of my dispute regarding the inaccurate tradeline on my credit report ( 15 U.S.C. 1681i ( a ) ( 1 ) ), as required by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) .You have not provided written proof of your investigation, violating 15 U.S.C . 1681i ( a ) ( 6 ), further compounding damages as seen in XXXX XXXX XXXX Banking XXXX XXXX. XXXX of VA, XXXX XXXX XXXX ( XXXX CirThese actions have caused me irreparable harm, including credit degradation, emotional distress, reputational damage, and inability to secure fair credit terms, entitling me to statutory damages of {$1000.00} per FDCPA violation ( 15 U.S.C. 1692k ), actual damages under the FCRA ( 15 U.S.C. 1681n ), and punitive damages for willful noncompliance.I DEMAND IMMEDIATE RELIEF : Deletion of the disputed tradeline from all credit reports.Provision of written proof of your investigation, including MOV purchase agreements for the alleged debt.Statutory damages of {$1000.00} per FDCPA violation, plus {$2500.00} in punitive damages for FCRA violations.Written acknowledgment of resolution within 10 business days.Failure to comply within this 10-day period will result in the immediate filing for arbitration with the American Arbitration Association ( AAA ) or JAMS, as permitted under 15 U.S.C. 1692k ( d ). I will seek all available remedies, including attorneys fees, arbitration costs, and treble damages for willful violations, as upheld in XXXX XXXX XXXX Acquisitions, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) .Direct all communication to the address or email provided below. This notice constitutes a final attempt to resolve this matter informally.Sincerely, [ Your Name ] Instructions for Creating a PDF : Copy the

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