Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
Re : Companys Response Claiming Possible Fraud Failure to Provide Requested Documentation / Demand for Deletion of All Accounts To Whom It May Concern, This is my rebuttal to the companys response to my complaint. The companys vague claim that I may have been a victim of fraud does not resolve the dispute and does not satisfy the requirements of the Fair Credit Reporting Act ( FCRA ). More importantly, the company failed to provide the documentation I specifically requested. 

1. Information Requested But Not Provided In my original dispute, I demanded the following documentation to substantiate the disputed accounts : A copy of the original signed credit agreement bearing my wet-ink signature.

The chain of title/assignment showing lawful transfer of the account, including dates and signatures.

A complete itemized payment history ledger, not just a balance snapshot.

Documentation reconciling the alleged charge-off balance.

Copies of the last billing statements from the original creditor.

Statute of limitations data : date of last payment, date of default, and proof the account remains legally enforceable. 

Evidence of consistency in account naming, to resolve variations such as XXXX XXXX vs. XXXX XXXX XXXX. 

Proof of notice showing that any initial account notification was mailed and delivered to me. 

None of these documents were provided. The companys fraud claim is nothing more than an unsupported statement that dodges their legal responsibility.

2. Failure of Reinvestigation Under FCRA 611 ( a ) and 1681s-2 ( b ), the company and the bureau are obligated to conduct a reasonable reinvestigation and review all relevant information. A generic fraud claim, without supporting documents, is not verification. If the company can not provide the requested information, the accounts must be deleted immediately.

3. Demand for Deletion of All Disputed Accounts Because the company has failed to provide the above documentation, the disputed tradelines remain unverified, inaccurate, and incomplete. Under FCRA 1681i ( a ) ( 5 ) ( A ), unverified information must be deleted. 

I hereby demand that : All disputed accounts associated with this complaint be deleted immediately from my credit file. 

Written confirmation of deletion be provided to me within 10 calendar days.

If the company insists on continuing to report these accounts, they must provide the full set of documentation listed above. Anything less will be treated as non-compliance.

4. Notice of Further Action If the company does not comply, I will : File additional complaints with the FTC and my State Attorney Generals Office.

Pursue legal remedies under FCRA 1681n and 1681o, seeking statutory damages, actual damages, attorneys fees, and punitive damages for willful noncompliance. 

The companys failure to provide the requested documentation and its reliance on a vague fraud excuse confirms these accounts can not be verified. Therefore, they must be deleted. 

Respectfully,

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