Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I mailed a detailed dispute package to Experian by certified mail ( XXXX XXXX. XXXX ) addressed to your XXXX XXXX XXXX location, and stamped as received by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Stamped XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX ) stamped XX/XX/XXXX by XXXX XXXX ). The return date for this certified mailing was XX/XX/XXXX. To date, I have not received a proper response that satisfies the Fair Credit Reporting Act ( FCRA ) requirements for a complete and reasonable reinvestigation. 
Disputed Information : Account Name/Furnisher : Experian Account Number ( Last XXXX ) : XXXX Nature of Inaccuracy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX ) {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or not honored late payment status / balance / ownership / Under 15 US Code 1681a ( c ) ( 2 ) dismissed or unenfored bankruptcies do not meet the threshold for negative reporting Under 15 US Code 1666b ( a ) ( 3 ) any access to related or potential billing or credit extension must comply with defined grace perionds and fair billing procedures Under Under 15 U.S.C. 1681i, Experian is legally obligated to : 1. Conduct a reasonable reinvestigation of disputed items. 2. Forward all relevant documentation
I provided to the furnisher.

3. Delete or correct any entry that can not be verified. 
I am aware of the Consumer Financial Protection Bureaus XX/XX/XXXX lawsuit against Experian alleging sham investigations, failure to forward consumer evidence to furnishers, and improper reinsertion of previously deleted inaccurate information. This ongoing federal enforcement action reinforces my concern that Experians handling of my dispute has not complied with federal law.

Requested Action : 1. Conduct a full reinvestigation of the disputed account.

2. Provide written documentation of the investigation results, including the name, address, and telephone number of each furnisher contacted.

3. Permanently delete or correct the inaccurate entry if it can not be fully verified. 
Enclosures : Copy of Experian credit report ( highlighted disputed item ) Copy of XX/XX/XXXX dispute letter and attachments Certified mail receipt and tracking proof Government-issued ID Proof of current address You are required to respond within 30 days of receiving this letter. If you reinsert the disputed information in the future, you must provide me written notice in advance, as required by law. 
Failure to comply will leave me no choice but to pursue further remedies, including complaint to CFPB.

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