Consumer complaint received 2025-08-14 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: IN

Complaint narrative:
I am submitting this formal complaint and dispute regarding a collection account reported by XXXX XXXX XXXX XXXX. This account is inaccurate, incomplete, and in violation of multiple federal consumer protection laws. I am requesting immediate investigation and removal of this account from my credit reports. 
Account Information : Creditor : XXXX XXXX XXXX and Legal Grounds : Fair Credit Reporting Act ( FCRA ) Violations Section 602A : Credit reporting must be fair and equitable to the consumer with respect to confidentiality, accuracy, relevancy, and proper utilization.

Section 604 : No permissible purpose has been established for XXXX XXXX XXXX XXXX to access or report my credit information. 
Section 607B : The furnisher must maintain reasonable procedures to ensure maximum possible accuracy. The account contains false or unverifiable information.

Section 609A1A : I have the right to request all information in my credit file. XXXX XXXX XXXX XXXX has not provided complete documentation proving the validity of this account. 
Section 611 : The credit bureaus and furnisher must conduct a reasonable reinvestigation of disputed information. Failure to remove unverifiable or inaccurate information after investigation violates this section.

Section 623A1A : Furnishers must not report information they know or have reasonable cause to believe is inaccurate.

Fair Debt Collection Practices Act ( FDCPA ) Violations Section 8072A : Prohibits false representation of the character, amount, or legal status of a debt. The amount reported does not match any verified contract.

Section 8078 : Prohibits communicating or threatening to communicate false credit information. 
Section 809B : Requires debt collectors to cease collection activities until they provide validation of the debt. XXXX XXXX XXXX XXXX has not produced a signed contract, itemized statement, or original account agreement proving the debt is mine. 
Consumer Financial Protection Act ( CFPA ) Violations Section 1036 : It is unlawful for any covered person to engage in any unfair, deceptive, or abusive act or practice in connection with consumer financial products or services. 
Requested Action : I request that XXXX XXXX XXXX XXXX immediately : Cease all collection activities. 
Remove the account from all credit reporting agencies. 
Provide full validation of the debt including the original signed agreement, itemized billing, and complete chain of title from the original creditor to XXXX XXXX XXXX XXXX. 
If the account can not be XXXX percent verified with legally admissible evidence, it must be deleted from all consumer reporting agencies in compliance with the FCRA and FDCPA. 
Failure to comply will result in my pursuing further action including formal complaints to the FTC, my state attorney general, and potential civil litigation for damages as permitted by law.

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