Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute & Request for Deletion Failure to Validate Debt Dear Experian, I am writing to formally dispute the accuracy of an accounts reported on my credit file. According to my records, XXXX XXXX XXXX ( XXXX ), a debt collection agency, is reporting an accounts with the following details : Collection Agency : XXXX XXXX XXXX  Original Creditor : XXXX XXXX  Account Number : XXXX Balance : {$870.00} Status : Collection Account Collection Agency : XXXX XXXX XXXX  Original Creditor : XXXX XXXX Account Number : XXXX Balance : {$3400.00} Status : Collection Account Collection Agency : XXXX XXXX XXXX  Original Creditor : XXXX XXXX  Account Number : XXXX Balance : {$1200.00} Status : Collection Account I previously submitted a verification request to XXXX XXXX XXXX on the following dates : XX/XX/XXXX, and XXXX under the Fair Debt Collection Practices Act ( FDCPA ) 809 to validate their legal right to collect this debt. However, PRA failed to provide adequate documentation, as they only sent a bill statement rather than proof of assignment. They did NOT provide : 1. Proof of Assignment or Ownership : PRA did not submit a legally binding contract showing they were assigned or purchased the debt.

2. Original Signed Agreement : No documentation was provided that proves I agreed to this debt or authorized PRA to collect it.

3. Full Accounting of the Debt : No complete breakdown of how the balance was calculated, as required under federal law.

Since PRA has failed to properly validate this debt, they are in violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 and the Fair Credit Reporting Act ( FCRA ) 609 and 611, which require that information reported to credit bureaus be accurate and verifiable.

Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) is investigating credit bureaus for failing to conduct proper investigations. Therefore, I request that you conduct an independent review of this account and provide me with the method of verification ( MOV ) you used to determine its accuracy.

Since PRA has failed to verify the debt as required by law, I am formally requesting the immediate deletion of this account from my credit report. If you do not remove this inaccurate and unverifiable account, I will file complaints with the CFPB, FTC, and State Attorney General 's Office regarding your failure to comply with the FCRA.

Please see the attached supporting documents, including my previous verification request to PRA and their inadequate response.

Please provide me with written confirmation once this account has been removed. I appreciate your prompt attention to this matter. 

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