Debt collection -- False statements or representation -- Complaint #18638300
Complaint Overview
Complaint ID: 18638300
Company: Experian Information Solutions INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Georgia
ZIP Code: 302XX
Date Received: 2026-01-11T12:00:00-05:00
Date Sent to Company: 2026-01-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Debt Validation Letter XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX : XXXX DOB : XX/XX/XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX Re : Request for Debt Validation Account Number : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to a debt that XXXX is XXXX and/or attempting to collect. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. Please provide the following documentation to validate this debt : XXXX. The original creditors name and address XXXX. The original contract or signed agreement bearing my signature XXXX. A complete payment history, including the date of default XXXX. The total amount claimed, including an itemized breakdown of principal, interest, fees, and charges XXXX. Proof that XXXX has the legal right to collect this debt, including assignment or bill of sale XXXX. Proof that the debt is within the statute of limitations XXXX. XXXX that the debt is being reported accurately to all consumer reporting agencies Until this information is provided, I dispute the validity of this debt and request that all collection activity cease. Additionally, any reporting of this account to consumer reporting agencies must be marked as disputed in accordance with federal law. If you are unable to provide the requested validation, please remove this account from my credit report and cease all collection efforts. This letter is not a refusal to pay, but a request for verification of the alleged debt. Please respond in writing only. Sincerely, XXXX XXXX.
Frequently Asked Questions
What is Complaint #18638300 about?
Complaint #18638300 was filed against Experian Information Solutions INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2026-01-11T12:00:00-05:00.
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 (Debt collection) 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.