Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
To : Experian RE : Failure to Properly Reinvestigate & Continued Reporting of Unverified Account Creditor : XXXX XXXX XXXX Account Number : [ XXXX ] Balance : $ [ Amount ] I am filing this formal complaint because all three credit bureaus are continuing to report an account from XXXX XXXX XXXX that has NOT been validated and can not be verified. 

I have disputed this account twice, and XXXX has violated federal law by failing to provide ANY of the required documentation. After one incomplete response, they went completely silent. 

XXXX has exceeded the XXXXy validation period, the XXXX follow-up, and even the XXXX final deletion notice all without producing a single document. 

Because XXXX can not validate, the bureaus are now reporting inaccurate and unverifiable information, which violates the FCRAs requirement for maximum accuracy. 



WHAT THE BUREAUS HAVE FAILED TO DO 1. FCRA 611 ( a ) ( 1 ) ( A ) Duty to Conduct Reasonable Reinvestigation A real reinvestigation can not occur without actual documentation, which was never produced. 

2. FCRA 611 ( a ) ( 2 ) ( B ) Duty to Forward ALL Information You did not forward my full dispute and my requests for documentation.

3. FCRA 611 ( a ) ( 6 ) Failure to Provide Method of Verification I requested MOV and the bureaus failed to provide : Who verified the account What documentation was used How it was verified 4. FCRA 611 ( a ) ( 7 ) Failure to Provide Documentation Used in Verification No documents, contracts, statements, proof of ownership, or evidence was provided. 

5. FCRA 607 ( b ) Failure to Ensure Maximum Accuracy The information is being reported without any proof, which is a violation. 



WHAT XXXX FAILED TO PROVIDE ( and you accepted anyway ) XXXX has not produced : A signed contract Proof of original creditor Proof of ownership Chain of custody Itemized account statements Permissible purpose ANY documentation relied upon to verify Therefore, you are reporting a legally unverified, inaccurate account. 



BUREAUS ARE NOW IN NON-COMPLIANCE By continuing to report this account after XXXX failed to validate it, the bureaus are participating in : Willful non-compliance Negligent reinvestigation Reporting unverified information Violating FCRA 607 ( b ) Violating FCRA 611 ( a ) Furnishing inaccurate information This account can not legally remain on my credit file. 



REQUIRED ACTION ( IMMEDIATE ) I am demanding the following : 1. Immediate deletion of the XXXX XXXX XXXX account You can not continue reporting an account that the furnisher can not validate. 

2. Written confirmation of deletion 3. Cease and desist from re-inserting the account Reinsertion without proper notice violates FCRA 611 ( a ) ( 5 ) ( B ).

FINAL NOTICE If this account is not deleted immediately, I will file : A CFPB complaint ( already prepared ) An FTC complaint A State Attorney General complaint A legal claim for damages under FCRA 616 & 617 I expect compliance within 5 days. 

Sincerely,

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