Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Formal Notice of Dispute Account # XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) To Whom It May Concern, This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, concerning the inaccurate and harmful reporting of an alleged collection account by XXXX XXXX XXXXXXXX. 

This account is being reported inaccurately on my credit file. I dispute the validity and accuracy of the information and demand that your agency initiate an immediate investigation.

Legal Grounds for Dispute : 1. Failure to Validate the Debt ( FDCPA 809, 15 U.S.C. 1692g ( b ) ) No validation has been provided by XXXX XXXX XXXXXXXX, including proof of the original debt, itemization of charges, or assignment documentation from XXXX XXXX. Continued reporting of an unvalidated debt is a direct violation of federal law. 
XXXX. Unverified or Inaccurate Reporting ( FCRA 611, 15 U.S.C. 1681i ) Under FCRA, you are required to perform a reasonable investigation and correct or delete any item that can not be verified. If this alleged account can not be fully validated within 30 days, it must be removed.

3. Violation of FCRA 623 ( a ) ( 3 ) Furnishers of information must not report data they know or have reason to know is inaccurate. Your agency is obligated to mark this account as disputed during the investigation period. 



Physical and Emotional Harm : Please also be advised that the continued reporting of this disputed and inaccurate account is causing me serious emotional distress and physical health issues, including : Chronic stress and anxiety Episodes of chest pain Loss of sleep and significant emotional hardship This situation has interfered with my well-being and daily functioning, and it is unacceptable for a credit bureau to allow unverified and harmful data to remain on file without due process.

Formal Demands : I hereby demand the following : Immediate investigation of this account Suspension of reporting while the investigation is ongoing Full removal of the account if it can not be fully verified Documentation from the furnisher proving the validity of the debt, including : Itemized accounting Chain of title from the original creditor Signed agreement or contract Legal Notice : If these issues are not resolved within 30 days, I will proceed with arbitration against all responsible parties and will be seeking full legal damages for : Willful noncompliance with FCRA and FDCPA statutes Emotional distress and physical health impacts Legal fees, court costs, and statutory penalties Failure to act on this dispute constitutes negligence and potential willful misconduct under federal law. 

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