Credit card -- Problem with a company's investigation into an existing problem -- Complaint #14903549
Complaint Overview
Complaint ID: 14903549
Company: Experian Information Solutions INC.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results
State: Florida
ZIP Code: 32209
Date Received: 2025-07-26T12:00:00-05:00
Date Sent to Company: 2025-07-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am filing a formal complaint regarding a debt collection matter involving XXXX XXXX XXXX ( XXXX ), concerning an account originally held with XXXX XXXXXXXX XXXX XXXX, account ending in XXXX, now listed under XXXX account number XXXX. XXXX sent me a letter stating that although the account was charged off and sold, the underlying promissory obligations remain valid and due. I am disputing this claim and have requested full validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received adequate documentation that proves : - XXXX 's legal right to collect the debt, - The full chain of title from XXXXXXXX XXXX XXXX XXXXXXXX, - A signed agreement or promissory note, - A complete breakdown of the amount allegedly owed. I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX XXXX complies with federal law. Furthermore, I ask that they cease collection efforts until full validation is provided and that this matter is resolved fairly. Thank you for your assistance. Sincerely, XXXX XXXX Whom It May Concern, I am filing a formal complaint regarding a debt collection matter involving XXXX XXXX XXXX ( XXXX ), concerning an account originally held with XXXXXXXX XXXX XXXX XXXXXXXX, account ending in XXXX, now listed under XXXX account number XXXX. XXXX sent me a letter stating that although the account was charged off and sold, the underlying promissory obligations remain valid and due. I am disputing this claim and have requested full validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received adequate documentation that proves : - XXXX 's legal right to collect the debt, - The full chain of title from XXXXXXXX XXXX XXXX XXXXXXXX, - A signed agreement or promissory note, - A complete breakdown of the amount allegedly owed. I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX XXXX complies with federal law. Furthermore, I ask that they cease collection efforts until full validation is provided and that this matter is resolved fairly. Thank you for your assistance. Sincerely, XXXX XXXXTo Whom It May Concern, I am filing a formal complaint regarding a debt collection matter involving XXXX XXXX XXXX ( XXXX ), concerning an account originally held with XXXXXXXX XXXX XXXX XXXXXXXX, account ending in XXXX, now listed under XXXX account number XXXX. XXXX sent me a letter stating that although the account was charged off and sold, the underlying promissory obligations remain valid and due. I am disputing this claim and have requested full validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received adequate documentation that proves : - XXXX 's legal right to collect the debt, - The full chain of title from XXXX XXXXXXXX XXXX XXXXXXXX, - A signed agreement or promissory note, - A complete breakdown of the amount allegedly owed. I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX XXXX complies with federal law. Furthermore, I ask that they cease collection efforts until full validation is provided and that this matter is resolved fairly. Thank you for your assistance. Sincerely, XXXX XXXXTo Whom It May Concern, I am filing a formal complaint regarding a debt collection matter involving XXXX XXXX XXXX ( XXXX ), concerning an account originally held with XXXXXXXX XXXX XXXX XXXXXXXX, account ending in XXXX, now listed under XXXX account number XXXX. XXXX sent me a letter stating that although the account was charged off and sold, the underlying promissory obligations remain valid and due. I am disputing this claim and have requested full validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received adequate documentation that proves : - XXXX 's legal right to collect the debt, - The full chain of title from XXXX XXXX XXXX XXXX, - A signed agreement or promissory note, - A complete breakdown of the amount allegedly owed. I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX XXXX complies with federal law. Furthermore, I ask that they cease collection efforts until full validation is provided and that this matter is resolved fairly. Thank you for your assistance. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14903549 about?
Complaint #14903549 was filed against Experian Information Solutions INC. regarding Credit card specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-07-26T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.