Credit reporting or other personal consumer reports — Experian Information Solutions Inc. (CA)

Their investigation did not fix an error on your report. I am writing to file a formal complaint against XXXX XXXX XXXX Account # XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. Complaint Details : Debt Collector : XXXX XXXX XXXX Account # XXXX Nature of Complaint : Lack of Written Notification : XXXX XXXX XXXX Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action. No Contract or Business Relationship : I have never engaged