Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the letter that I sent to Experian over XXXX XXXX XXXX and I didnt receive any response or documentation back from them. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Southeast XXXX, XXXX XXXX XXXX, Ga XXXX RE : XXXX I am sending this letter In regard to an account opened on XX/XX/XXXX by XXXX XXXX XXXX with a balance of {$13000.00} ( account number XXXX ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 

I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 

Please provide me with the following information : XXXX State what the money you say I owe is for XXXX How did you come to determine that amount XXXX Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe XXXX Show me the proof that you are licensed to collect in my state ; provide your license number XXXX Provide me with proof that the statute of limitations have not expired XXXX A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 

Thank you. 


This is the letter that I sent to Experian over XXXX XXXX ago and I havent received any response or documentation back from them. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Southeast XXXX, XXXX XXXX XXXX, GA XXXX Re : XXXX To Whom It May Concern : This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 

This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : XXXX Proof of your right to own/collect this alleged debt XXXX Balance claimed including all fees, interest and penalties XXXX Contract bearing my personal signature As you XXXX be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within XXXX XXXX of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I XXXX also seek damages from you if warranted.

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