Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX SSN Last XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Debt Validation Request, Personal Information Update, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute and request validation of the accuracy and validity of the following accounts, inquiries, and personal information reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation, validation, and a detailed description of the procedures used to verify this information.

Debt Validation Request Under 15 U.S.C. 1692g, I formally request validation of the alleged debts. This is not a refusal to pay but a request for validation. Please provide specific evidence to substantiate these debts, as required by law. Documentation should include : 1. Original Signed Contract : A copy of the original signed contract or agreement that created the debt.

2. Proof of Ownership : Documentation proving your legal ownership or assignment of the debt.

3. Detailed Accounting : A detailed breakdown of the alleged debt, including the principal, interest, fees, and any other charges.

As determined in Pacific Concrete FCU v. Kauanoe, 62 Haw. 334, mere statements or billing records are not sufficient to validate a debt.

Cease-and-Desist Notice This letter serves as a formal cease-and-desist notice. I am exercising my right under the FDCPA to demand that all further communication regarding this alleged debt cease immediately.

* The only permissible form of communication shall be through written correspondence sent to the mailing address listed above.

* No contact by phone, email, text message, or any other means of communication is authorized.

* No communication with family, friends, or third parties about this alleged debt is permitted. Any attempt to contact them will be considered harassment and will result in legal action.

Additionally, reporting this alleged debt to any consumer reporting agency will be considered a form of communication. If validation can not be provided, I demand that all references to this debt be deleted from my credit file with Experian, TransUnion, and Equifax.

Personal Information Update Please update my credit file to reflect the following correct information and delete all previous incorrect information : * Name : XXXX XXXX * Date of Birth : XX/XX/XXXX * Address : XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX Delete the Following Incorrect Names & Personal Information : * XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX * SSN Variations : XXXX Delete the Following Employers : 1. XXXX XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX  XXXX XXXX Delete the Following Incorrect Addresses : 1. XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, IL XXXX Accounts to Be Validated and Addressed : 1. XXXX XXXX XXXXXXXX XXXXXXXX - XXXX 2. XXXX - XXXX 3. XXXX XXXX XXXX - XXXX 4. XXXX XXXX XXXXXXXX - XXXX 5. XXXX XXXXXXXX XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX XXXX  XXXX - XXXX 8. XXXX XXXX XXXX XXXX - XXXX 9. XXXX XXXXXXXX XXXX XXXX  XXXX Unauthorized Inquiries to be Removed : 1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXXXXXX XXXX  - XX/XX/XXXX 3. XXXX, XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 11. XXXX XXXX, XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX - XX/XX/XXXX 13. XXXX - XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX  - XX/XX/XXXX 16. XXXX XXXX - XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX Legal Basis for This Dispute Under 15 U.S.C. 1681i ( a ) ( 1 ), consumer reporting agencies are required to conduct a reasonable reinvestigation of any disputed information. Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive all relevant documentation used to substantiate the reporting of these accounts. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any information is found to be inaccurate, incomplete, or unverifiable, you are required to promptly delete or modify the information.

If you can not provide the requested documentation and verification within 15 days, I demand that the disputed items be blocked or removed from my credit file immediately, as required by the FCRA.

Legal Notice and Threat of Litigation Failure to comply with my rights under the FCRA will result in legal action. Specifically : * Statutory Damages : {$1000.00} per violation under 15 U.S.C. 1681n ( a ).

* Actual Damages : For emotional distress, harm to my credit, and loss of credit opportunities.

* Punitive Damages : For willful noncompliance with the FCRA.

* Attorneys Fees and Costs : For legal action required to enforce my rights under the FCRA.

Expectation of Compliance I expect your written response, including all requested documentation, within 15 days of receipt of this letter. Failure to respond or comply with this request will result in immediate legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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