Consumer complaint received 2025-10-22 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX Date : [ Insert Todays Date ] XXXX  Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Demand for Deletion Sixth Dispute Without Proper Validation Account Number : XXXX Buyer : XXXX XXXX Co-Buyer : XXXX XXXX Vehicle : XXXX XXXX XXXX To Whom It May Concern : This is my sixth written dispute regarding the above-referenced account that XXXX continues to report to consumer reporting agencies. Despite multiple prior requests, you have failed to furnish any legally valid method of verification or debt validation as required under : 15 U.S.C. 1681i ( FCRA Duty to Reinvestigate Disputed Information ) 15 U.S.C. 1681s-2 ( b ) ( Furnisher Duties to Investigate and Correct Inaccuracies ) 15 U.S.C. 1692g ( b ) ( FDCPA Validation of Debts and Cessation of Collection Activity ) To date, you have not provided an original wet-ink signed contract or any authenticated instrument establishing my liability for this alleged debt. The document in your possession contains only an electronic signature, which, under the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act, 15 U.S.C. 7001 et seq. ), is not legally binding unless XXXX can prove : 1. That I gave explicit consent to electronic signature and record retention ; 2. That I was given disclosure of my rights to opt-out of electronic execution ; and 3. That XXXX maintained tamper-proof records of authentication at the time of signature. 

You have failed to provide proof of these requirements or a certified copy of a wet-signed contract. Continuing to report this unverifiable account to Experian, XXXX, and XXXX  constitutes willful noncompliance and negligent misrepresentation under 15 U.S.C. 1681n and 1681o.

Demand for Immediate Deletion and Cease Reporting I hereby demand that you immediately cease all collection activity and delete this unverifiable account from all consumer reporting agencies unless and until the following are produced within 15 days of receipt of this letter : 1. A copy of the original wet-ink signed retail installment contract ; 2. The full accounting and payment history showing calculation of any alleged balance ; 3. Proof of lawful assignment or ownership of the account ; and 4. Documentation of the exact method of verification used by XXXX in responding to prior FCRA disputes. 

If you can not produce this documentation, you are required to permanently remove this account from all credit bureaus and provide written confirmation of deletion. 

Failure to comply will result in formal complaints filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The XXXX XXXX Attorney Generals Office Additionally, in light of the XX/XX/year> data breach affecting financial institutions, I also demand confirmation as to whether my personal data or this account information was part of any security incident or unauthorized access under 15 U.S.C. 1681b ( limitations on permissible purposes and data security ).

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