Consumer complaint received 2025-01-25 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 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 Experian 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 detailed description of the procedures used to verify the information.

Debt Validation Request Under the Fair Debt Collection Practices Act ( 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 : Original Signed Contract : A copy of the original signed contract or agreement that created the debt. 
Proof of Ownership : Documentation proving XXXX  ( XXXX XXXX XXXX ) or any other collection agency has legal ownership or assignment of the debt. 
Detailed Accounting : A detailed breakdown of the alleged debt, including the principal, interest, fees, and any other charges. 
As determined in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, mere statements or billing records are not sufficient to validate a debt. 

Cease-and-Desist Notice This letter also 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, XXXX, and XXXX. 

Personal Information Update Please update my personal information to reflect the following : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Delete the Following Undeliverable Addresses : XXXX XXXX XXXX, XXXX, IL XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX, IL XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XX/XX/XXXX ) Delete the Following Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX. : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account No. : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX. : XXXX XXXX XXXX XXXX Account XXXX. : XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX. : XXXX XXXX XXXX Account No. : XXXX XXXX XXXX Account No. : XXXX XXXX XXXX Account No. : XXXX XXXX XXXX Account No. : XXXX XXXX XXXX Account No. : XXXX XXXX XXXX Account No. : XXXX XXXX XXXX Account XXXX. : XXXX XXXX XXXX Account No. : XXXX Remove the Following Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Specific Requests Method of Verification : Provide the exact method of verification used to validate the accuracy of each disputed account and inquiry. 
Procedural Details : Provide a complete description of the procedures followed during your investigation of this dispute, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Supporting Documentation : Provide copies of all documentation used to validate the accuracy of the accounts and inquiries, including proof that the accounts belong to me. 
Actions Required If Documentation Can not Be Provided If you can not provide the requested documentation and verification within 15 days : Block or Remove the Disputed Accounts : As required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you must promptly delete or block the disputed items from my credit file.

Cease and Desist Reporting : Immediately cease all reporting and communication regarding these accounts.

Legal Notice and Threat of Litigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the FDCPA, failure to : Conduct a reasonable investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ), Provide the required documentation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ), or Remove inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) constitutes a violation of federal law. 

If you fail to comply with this request, I will pursue legal action for the following : Statutory Damages : {$1000.00} per violation under 15 U.S.C. 1681n ( a ) and 15 U.S.C. 1692k ( a ) ( 2 ) ( A ).

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

Punitive Damages : For willful noncompliance.

Attorneys Fees and Costs : For legal action required to enforce my rights under federal law. 
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. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 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