Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Date : XXXX Experian XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Demand for Deletion AssetCare LLC Collection To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute inaccurate and potentially unlawful information currently being reported on my consumer credit file. Consumer Information Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last Four SSN : XXXX The account listed below is being reported on my credit report and I dispute its accuracy and completeness. Creditor/Collector : XXXX XXXX Account Status : Collection Balance : {$1500.00} Balance Date : XX/XX/XXXX This account appears to have been reported without proper validation and may constitute inaccurate, incomplete, or unverifiable information under federal law. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), specifically 611 ( 15 U.S.C. 1681i ), I am requesting a reasonable reinvestigation of this account. Additionally, under 1681e ( b ) of the FCRA, consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Under 623 ( a ) ( 1 ) ( A ) of the FCRA, a furnisher of information may not report information that they know or have reasonable cause to believe is inaccurate. Furthermore, pursuant to 623 ( a ) ( 5 ), the Date of First Delinquency must be accurately reported in order to determine the permissible reporting period under 605 ( a ). If this account is verified as accurate, please provide the following documentation : 1. A copy of the original signed contract or agreement bearing my signature. 2. Proof that XXXX XXXX has legal ownership or assignment of the alleged debt. 3. A complete account ledger detailing how the balance of {$1500.00} was calculated. 4. Documentation verifying the Date of First Delinquency. 5. The name, address, and telephone number of the individual or entity who verified the information. 6. Evidence that this account is being reported in full compliance with Metro 2 reporting standards. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must provide proper validation of an alleged debt when requested. Reporting an unverified debt may also constitute a violation of 807 ( 15 U.S.C. 1692e ) of the FDCPA, which prohibits false, deceptive, or misleading representations concerning the character, amount, or legal status of a debt. Because this account appears to be inaccurate, incomplete, and potentially unverifiable, I demand the following : Immediate reinvestigation of this account Written documentation verifying the results of your investigation Permanent deletion of this account from my credit file if verification can not be produced If the account can not be properly verified within the 30-day reinvestigation period required under federal law, it must be permanently removed from my credit report. Please send written confirmation of the results of your investigation. 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