Consumer complaint received 2025-02-13 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:
A dispute that I have filed with the XXXX credit reporting agencies, XXXX XXXX and XXXX XXXX regarding inaccurate information on my report. In XXXX XXXX XXXX, I became aware of a debt reported on my credit reports. I promptly disputed this reported debt in accordance with the Consumer Financial Protection Bureau guidelines for How to I dispute an error on my credit report ( Attachment A ). and XXXX XXXX, XXXX Direct Disputes ( Attachment B ). I disputed this debt owed with the XXXX credit bureaus, XXXX XXXX  and XXXX XXXX in accordance with the dispute process. I have requested from the furnisher and the crediting reporting agencies to validate this debt. To date, I have received no response. This negative information is and has impacted my chances of obtaining home ownership. The bank has rejected my application for loan financing due to this negative information on my credit reports. Outlined below are the steps taken and their corresponding dates of action, that I have taken with each credit reporting agency along with the supporting documentation to confirm these actions. Consumer Financial Reporting Regulations state that if the reported information is not validated by the Furnisher upon request by the consumer, the information is deemed unvalidated and is to be removed from all credit reports. The Furnisher has not complied with the consumer request to furnish supporting documentation for their claim o f a debt owed within the 30 day required time period from the date of the request. Additionally, as of this writing, the requested information has not been received from the Furnisher. The Summary of Your Rights Under the Fair Credit Reporting Act ( Attachment C ) states the following : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. FCRA 611 ( 15U.S.C. 1681I ) Item # XXXX  item ( i ) ( Attachment D ) states the following : promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation As documented and stated within, the furnisher has been non-compliant with the request by this consumer to forward supporting documentation to validate their claim. Failure to submit this documentation with the required XXXX makes the debt unvalidated and should be removed from all the consumers credit reporting files. The process outlined above and the non-compliance of my request to validate the debt owed, the reported information is the basis of my request to you to enforce the regulations as set forth by the Consumer Financial Protection Bureau, by directing the to direct the Credit Reporting Agencies to immediately remove the unvalidated debt information reported by Experian and ProCollect Collection Agency ; and to cease and desist with further reporting of this item. As of this writing, my requests have yet to be complied Since my request to remove and or correct to furnish the appropriate documents have gone unfulfilled, is deemed unvalidated and should be promptly removed in accordance with FCRA subsection 611 ( 15 U.S.C. subsection 1681I ) Procedure in Case of Disputed Accuracy. I am requesting the Consumer Financial Protection Bureau review my dispute and all supporting documentation and enforce the regulations as set forth by the Consumer Financial Protection Bureau, with the removal of the unvalidated information stated within this letter. Their investigation did not fix an error on your report

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