Consumer complaint received 2025-06-22 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: VI

Complaint narrative:
Dear Experian, I am writing to formally demand the immediate removal of a collection account reported by XXXX XXXX XXXX, which currently appears on my Experian credit report. I have no record of a contractual agreement or wet signature between myself and this company. This debt is showing up as a new debt/collection on my account. This was never assigned to them, and I never had any wet signature nor agreement with XXXX XXXX XXXX. Therefore, they have no legal right to report or collect on this alleged debt, especially in the absence of proper debt validation. 

Despite multiple disputes filed through your platform, the only action taken by Experian has been to conduct what appears to be automated, superficial investigations typically concluding within a few hours and consistently responding with a vague statement that the debt has been " validated. '' However, no actual debt validation letter has ever been sent to me, and no proof of a binding agreement, such as a signed contract, has ever been provided. This is not a valid or lawful form of investigation under the Fair Credit Reporting Act ( FCRA ). 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA, I have the right to : Request and receive proper debt validation, including the name of the original creditor and documentation bearing my signature. 

Dispute any inaccurate or unverified information on my credit file. 

Hold credit reporting agencies accountable for failing to conduct reasonable and meaningful investigations under the FCRA ( 15 U.S.C. 1681i ).

Pursue remedies under the Consumer Financial Protection Bureau ( CFPB ) for Experians repeated failure to comply with federal regulations. 

This ongoing cycle of superficial investigations and automated denials is not only unacceptable and unlawful, but it is actively damaging my credit score, which has negatively impacted my ability to qualify for housing, employment, and financial products. The continued reporting of this unvalidated debt is a form of defamation and financial harm.

This matter is now the subject of a formal complaint through the Consumer Financial Protection Bureau ( CFPB ), and this email will be documented as part of that complaint. I am demanding : A complete copy of the debt validation documentation, including proof of assignment of the debt, the original creditor 's name, and my wet-ink signature on any alleged contract. 

A full explanation of the methodology used in your investigation, including any communications with XXXX XXXX XXXX. 

Immediate removal of the XXXX XXXX XXXX account from my credit report if this information can not be fully validated in accordance with federal law. 

Failure to comply will result in further legal action, including additional filings with the CFPB and potential legal remedies available to me under federal consumer protection laws. 

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