Consumer complaint received 2025-11-23 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: IL

Complaint narrative:
I am filing a formal complaint against Experian and multiple debt collectors for reporting unverified, inaccurate, incomplete, and legally non-compliant collection accounts on my consumer credit report. These accounts violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to Experians failure to verify the debts and the collectors failure to validate them before reporting. 

Experian continues to report these accounts despite previously disputed information and despite the fact that no lawful documentation has been provided proving the debts are valid, enforceable, or belong to me. 

I am requesting immediate CFPB intervention to remove these accounts from my report and compel the furnishers to comply with federal law. 

Collection Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account # : XXXX Balance : {$74.00} Violations : Reported without validation ( FDCPA 809 ( b ) ) No contract, no proof of liability Experian failed to verify accuracy ( FCRA 607 ( b ) ) Account remains after dispute with no method of verification provided XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$4000.00} Violations : Debt buyer has not produced the required chain of title No itemized accounting No proof XXXX legally owns or can collect this debt Experian continues reporting after dispute without proper verification XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$100.00} Violations : No enrollment agreement or consumer contract provided Experian reporting incomplete data ( ND entries, missing dates ) Debt collector failed to validate debt prior to reporting Violates FCRA 611 and FDCPA 809 ( b ) XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$560.00} Violations : XXXX is a debt buyer but no proof of purchase or assignment was provided Experian is reporting inaccurate open dates and incomplete information This account has been disputed multiple times with no proper investigation Violates FCRA 611 ( a ) ( 1 ), 607 ( b ), and FDCPA 809 ( b ) 5. XXXX XXXX Account # : XXXX Balance : {$4900.00} Violations : No contract, billing statement, or usage records provided Experian is reporting the same balance for over a year with no activity, which is inaccurate No proof the debt is valid or that XXXX still owns the account Previous dispute resulted in no method of verification Legal Violations Identified FCRA Violations ( Experian & Furnishers ) 607 ( b ) : Failure to maintain maximum possible accuracy 609 ( a ) : Failure to provide documentation proving account validity 611 : Inadequate reinvestigation after dispute 623 ( a ) : Furnishers reporting information they can not substantiate FDCPA Violations ( Collectors ) 807 : Misrepresentation of legal status of the debt 809 ( b ) : Failure to provide validation before collection/credit reporting Reporting to credit bureaus without validation = continued collection activity I am requesting immediate CFPB assistance to correct these reporting errors. These accounts have harmed my creditworthiness and are being reported without compliance with federal law. I have disputed these items multiple times, and Experian continues to report them without providing any lawful verification. 

I affirm that the information above is true and accurate to the best of my knowledge.

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