Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
Dear Experian Equifax & Transunion, I am writing to formally dispute the information you are reporting regarding the followingdebt : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this account is being reported inaccurately, and I request that you immediately delete this entry from my credit report. I am asserting that the debt has not been properly validated and that its reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Dispute Details I dispute the accuracy of this debt for the following reasons : 1. Failure to Validate the Debt : Under 15 U.S.C. 1692g, the debt collector is required to validate the debt by providing proof of the debt, including the name of the creditor, the amount owed, and the original account number. To date, I have not received the necessary debt validation. As such, the information provided by the debt collector is inaccurate and incomplete.

2. Failure to Follow Required Procedures for Reporting : Under 15 U.S.C. 1666b, a creditor may not report a payment as " late '' unless the creditor has sent a periodic statement to the consumer at least 21 days before the payment due date. If the creditor failed to follow this procedure, the debt is being inaccurately reported.

I demand that you provide evidence that the creditor followed the proper reporting procedures before the debt was marked as late.

3. Violation of the FCRA : Under 15 U.S.C. 1681s-2, furnishers of information to CRAs are required to report accurate and complete information. The reporting of this debt by XXXX XXXX appears to be inaccurate, as they have failed to validate the debt and have not provided the necessary documentation to prove the debt 's legitimacy. As such, this constitutes a violation of their duties under the FCRA. 
Demand for Action : Because this debt has not been properly validated and the information provided is inaccurate, I demand that you immediately delete this account from my credit report.

Legal Violations : FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of inaccurate or incomplete information.

FDCPA Violation : The debt collectors failure to validate this debt is a violation of 15 U.S.C. 1692g. 
Given these violations, you are legally prohibited from continuing to report this debt to any consumer reporting agencies. Failure to remove this inaccurate and incomplete information is causing significant harm to my credit and financial reputation. 
Deadline for Resolution : You are required to investigate this dispute and correct the inaccurate information within 30 days of receiving this letter, as per the FCRA guidelines. Therefore, I request that this inaccurate account be deleted from my credit file within 10 business days from the receipt of this letter.

Required Actions : Immediate deletion of the disputed account from my credit report. 
Written confirmation of the deletion once it has been processed. 
A copy of my updated credit report showing that the inaccurate account information has been removed. 
If this issue is not resolved promptly, I will not hesitate to pursue legal action, including seeking damages for willful violations under 15 U.S.C. 1681n and 15 U.S.C. 1681o ( FCRA ), as well as claims under the Fair Debt Collection Practices Act ( FDCPA ) for damages under 15 U.S.C. 1692k.

Legal Actions If you fail to resolve this dispute in accordance with the law, I will pursue the following actions : Defamation of Character ( per se ) Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692k I expect your immediate attention to this matter and look forward to the prompt removal of the disputed information from my credit report. 

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