Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am submitting this complaint against Experian for failing to remove and properly investigate a disputed collection account that has already been removed by XXXX XXXX XXXX for being inaccurate and unvalidated. Experian continues to report this collection account despite multiple formal disputes for validation as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Account Details : Creditor XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 

Account Type : Collection Date Opened : XX/XX/year> What Happened : I formally disputed this collection account with all three major credit bureaus and requests for validation. 

Both XXXX XXXX XXXX responded by determining the account was inaccurate or unvalidated and removed it completely from their records after investigation. 

Experian refuses to remove this account and remains non-compliant with my requests, stating only that the furnisher verified the account but has never provided any documentation or actual proof of the debt, nor the method of verification, as required by the FCRA. 

In response to my first CFPB complaint, Experian merely restated its generic policies and process, provided no specific documents, and failed to address my legal requests for validation or a detailed explanation. 

The continued reporting of this questionable account by Experian is damaging to my credit and is inconsistent with both XXXX XXXX XXXX, which found merit in my dispute. 

I have also contacted the collection agency directly and have not received any validation or supporting documentation. 

Relevant Legal Citations : FCRA 15 U.S.C. 1681i ( a ) : Requires Experian to conduct a reasonable reinvestigation and provide results/method of verification upon request.

FCRA 15 U.S.C. 1681e ( b ) : Experian must ensure maximum possible accuracy of reported items.

FDCPA 15 U.S.C. 1692g : Requires validation of the debt upon consumer 's request, including supporting documentation.

Requested Resolution : Immediate deletion of the disputed/unsupported collection account from my Experian credit file, consistent with the decisions of both XXXX XXXX XXXX 

Delivery of all documentation Experian relied on in verifying this account, including method of verification and all communications with the furnisher. 

Written assurance that Experian will comply with FCRA/FDCPA guidelines for future disputes and that this issue will not reappear in my file. 

If Experian can not provide full validation or documentation, I request formal investigation and enforcement action by the CFPB for Experians non-compliance. 

Conclusion : Experian has failed to fulfill its obligations under the FCRA and FDCPA to reasonably investigate, validate, and accurately report this disputed collection account. Both XXXX XXXX XXXX  have already acknowledged the account was inaccurate or could not be validated. I respectfully request the CFPBs assistance in requiring Experian to remove this harmful, unvalidated account and to compel compliance with federal law. 

Thank you for your attention.

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