Consumer complaint received 2025-09-17 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:
To Whom It May Concern, This letter serves as a formal continuation of my dispute regarding the alleged medical debts listed under Account # XXXX and Account # XXXX. I acknowledge receipt of your response dated XX/XX/XXXX, submitted to the Consumer Financial Protection Bureau ( CFPB ). However, your reply fails to satisfy the legal requirements for debt validation and does not address the core issues raised in my original complaint. 

1. Failure to Provide Legally Required Documentation Despite multiple requests, you have not provided sufficient documentation to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Specifically, I have requested : A copy of any signed agreement or consent form showing I accepted financial responsibility for these charges.

Verification of the debt, including a breakdown of charges, insurance adjustments, and provider notes. 

Proof of mailing for the initial disclosures you claim were sent on XX/XX/XXXX, and XX/XX/XXXX. 

The FDCPA mandates that upon written dispute, a debt collector must cease collection activity until verification is provided. Your continued assertion of the debt without furnishing this documentation constitutes noncompliance. 

XXXX. Discrepancy with Provider Records I have confirmed with my primary care providerwhom I have consistently seen since XXXX there is no outstanding balance in their system related to the dates of service you reference. This directly contradicts your claim and raises serious concerns about the accuracy of your records. 

XXXX. Violation of Credit Reporting Standards While you state that you have reported the dispute to Experian, you continue to assert the debt as valid. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must ensure that data reported to credit bureaus is accurate and complete. Reporting disputed medical debt without proper validation may constitute furnishing false or misleading information. 

Additionally, the Consumer Financial Protection Bureaus Debt Collection Rule requires that debt collectors provide validation information that enables consumers to recognize and challenge debts. Your response lacks this clarity and fails to meet the standard of transparency required under federal law2.

4. Formal Requests I hereby reiterate my request for the following : Copies of any original documentation bearing my signature or consent to treatment and financial responsibility. 

Itemized billing statements showing how the debt was calculated, including insurance payments and adjustments. 

Proof of mailing and delivery of your initial disclosures. 

Written confirmation that these accounts have been removed from my credit report pending proper validation. 

Until these requests are fulfilled, I consider this matter unresolved. I reserve all rights under the FDCPA and FCRA and will continue to pursue resolution through the CFPB and other regulatory channels as necessary. 

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