Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
b"To:\n\nExperian\nXXXX XXXX XXXX XXXX XXXX XXXX\n\nEquifax\nXXXX XXXX XXXX XXXX XXXX\n\nTransUnion\n XXXX XXXX XXXX XXXX XXXX XXXXnRe: Formal Dispute and Demand for Immediate Deletion of Inaccurate Account Reporting\n\nCc: \nConsumer Financial Protection Bureau\n  XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nExperian\nAccount #: XXXX XXXX XXXX XXXX\nOriginal Creditor (as claimed): XXXX\nCurrent Claimant (as reported): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nTo Whom It May Concern,\n\nI am formally disputing the validity, ownership, and legal standing of the above-referenced account, which is being inaccurately reported on my credit file by  Experian, TransUnion, Equifax, and both XXXX XXXX XXXX XXXX XXXX  creating multiple, conflicting, and false representations of ownership.\n\nThis communication serves as a lawful demand under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) for the immediate deletion of this account from all credit reporting bureaus and cessation of all collection and reporting activity until verified, lawful documentation is produced.\n\nConflicting Creditor Claims  Legal Challenge\n\nBoth XXXX XXXX XXXX XXXX XXXX are reporting, or have reported, this same alleged account as either the original creditor or current owner, which is logically and legally impossible.\n\nIf XXXX is the original creditor, it should no longer be furnishing data if it sold or transferred the debt.\n\nIf XXXX XXXX  is the current owner, it must provide proof of lawful assignment, as required by FDCPA  809 (15 U.S.C.  1692g(b)) and FCRA  611 (15 U.S.C.  1681i).\nSimultaneous reporting of the same debt by both XXXX XXXX XXXX XXXXiolates the FCRA's requirement for accuracy and non-duplication of tradelines under 15 U.S.C.  1681s-2(a)(1)(A), which prohibits furnishing information that is known to be false or inaccurate.\n\nLegal Reference:\n\n15 U.S.C.  1681s-2(a)(1)(A): A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\nDemand for Legal Proof of Ownership\n\nDespite multiple certified and notarized requests, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to produce:\n\nChain of title and ownership from XXXX XXXX XXXXnBill of sale or assignment agreement with identifying account numbers\n\n Original signed contract or application\n\n Statement of consideration (purchase price), as required in contract law\n\nA copy of any valid agreement authorizing collection or reporting\n\nFailure to produce this documentation within 30 days is a direct violation of FDCPA  809 and FCRA  611.\n\nUnlawful Multiple Reporting Violations\nIt appears both XXXX XXXX XXXX XXXX XXXX are furnishing simultaneous, duplicate tradelines for the same alleged debt, in different forms. This is a false, misleading, and materially deceptive practice, violating the:\n\nFCRA (15 U.S.C.  1681s-2(a)): Furnishing inaccurate or misleading information.\nCFPA (12 U.S.C.  5531 &  5536): Prohibits unfair, deceptive, or abusive acts or practices (UDAAP).\nFDCPA (15 U.S.C.  1692e): Prohibits false, deceptive, or misleading representation of the character, amount, or legal status of any debt.\n\nThis also raises the issue of double jeopardy in consumer credit reporting, which may artificially deflate my credit score and constitute financial harm and reputational damage.\n\nFailure to Rebut Lawful Affidavits\n\nI have sent notarized affidavits demanding validation under UCC  1-308 and FDCPA  809, with no rebuttal. Silence constitutes acquiescence under UCC  2-201 and tacit procuration, a concept recognized in contract and commercial law.\n\nFormal Demands\n\nAccordingly, I demand the following actions:\n\n1. **Immediate deletion of this account and all related duplicate entries from all credit bureaus under:\n\n   FCRA  611 (15 U.S.C.  1681i)\n   FCRA  1681s-2\n   CFPA  5531 and  5536\n\n2. Cease and desist from all further reporting or collection activity under:\n\n   FDCPA  805(c) (15 U.S.C.  1692c(c))\n3. Produce within 30 days:\n\n   Complete legal chain of assignment\n   Purchase and sale agreement with account identifiers\n   Original signed agreement or proof of debt\n   Any authorization to report to consumer bureaus\nNotice of Intent to Pursue Remedies\n\nFailure to comply will result in:\nFormal complaints to:\n\n  Consumer Financial Protection Bureau \n  Federal Trade Commission (FTC)\n  State Attorney Generals Office\nPotential civil litigation seeking:\n\n  $1,000 per violation under the FDCPA\n  Actual and punitive damages under FCRA and CFPA\n  Attorneys fees and court costs\n\n\nThis letter shall serve as official legal notice and a demand to cure violations immediately. Continued inaction or non-compliance will be used as evidence of willful misconduct in any legal proceedings.\n\nGovern yourselves accordingly.\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