Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Credit Bureau XXXX Equifax Equifax Information Services LLC XXXX  XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX : Formal Dispute of Inaccurate Information under XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally dispute inaccurate and unverifiable information listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. Specifically, I am disputing the following collection accounts that are erroneously reported and request their immediate removal : Collection Accounts in Dispute : XXXX  XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Grounds for Dispute : Upon reviewing these accounts, I have determined that these collection companies are not licensed to collect debts in the state of Texas, as required by XXXX XXXX XXXX, Chapter XXXX. In accordance with Texas state law, any debt collector attempting to collect a debt in Texas must be properly licensed and bonded. Since these companies are not authorized to collect debts within the state, they are in violation of both Texas state law and federal law under the FCRA, which mandates that only accurate and verifiable information be reported to the credit bureaus. 

Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), furnishers of information must ensure that the information they provide to consumer reporting agencies is complete and accurate. Since these accounts are unverifiable and from unlicensed entities, they should be removed immediately. 

Request for Action : I formally request that these accounts be removed from my credit report immediately as they are invalid, unverifiable, and reported by entities not authorized to collect in the state of Texas. 
If the accounts can not be verified or proven to be valid with documentation from these companies showing their license to collect in Texas, they must be deleted as required under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). 

Supporting Documentation : I am attaching copies of my identification and any relevant documents to assist with verifying my identity. Please conduct a thorough investigation of this matter and remove these accounts from my credit file. 

Legal Notice : If these inaccurate entries are not removed within the XXXX period as mandated by XXXX XXXX. XXXX ( a ), I am prepared to escalate this matter to the appropriate regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the Texas Attorney Generals Office. 

Thank you for your prompt attention to this matter. I expect a written confirmation that this dispute has been investigated and resolved. 

Sincerely, 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