Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against Experian, located at XXXX XXXX XXXX XXXX, TX XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) by failing to provide validation of a debt within 30 days of my written request. 
On XX/XX/XXXX I pulled my credit report and saw multiple inconsistencies and inaccurate information. On XX/XX/XXXX, I disputed this information which came back as verified, after providing legal documents verifying my identity. I then disputed the accuracy of multiple accounts listed below and received an initial communication from the above-named credit bureau regarding an alleged debt. In response, I sent a written request for debt validation via certified mail on XX/XX/XXXX, which was received by Experian on XX/XX/XXXX, well within the 30-day period as outlined in the FDCPA.

The following items on my credit report were disputed and validation requests were sent as well as requests for investigation validation : 1. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] 2. XXXX [ Account Number XXXX XXXX ] XXXX XXXX XXXX XXXX  Account Number : XXXX ] XXXX. XXXXXXXX XXXX XXXXXXXX [ Account Number : XXXX ] XXXX. XXXX XXXX [ Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX ] XXXX. XXXX XXXX XXXXXXXX [ Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  [ Account Number : XXXX ] XXXX. XXXX XXXX XXXX [ Account Number : XXXX ] XXXX. XXXX [ Hard Inquiry Dated : XX/XX/XXXX ] Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing within 30 days, the collector must cease all collection activities until they provide proper verification of the debt, including the name of the original creditor and documentation proving the debts validity.

Despite this, more than 30 days have passed since they received my request, and : I have not received any form of validation of the debt ; The collector has continued collection efforts, including text messages, letters and reporting to credit bureaus.

This is a clear violation of my rights under the FDCPA and the FCRA 15 U.S.C. 1681e ( b ), which requires that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports, as well as section 15 U.S.C. 1681i ( a ), which mandates that a consumer reporting agency must conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of any item of information.

I respectfully request the CFPB to investigate this matter and take appropriate enforcement actions against Experian for their non-compliance. I am also requesting that the credit reporting bureau be ordered to delete these items immediately and to remove any negative reporting made in connection with the disputed and unvalidated debt. Most importantly, I am requesting that these items be deleted from my credit report.

Thank you for your attention to this matter. Please let me know if you require any further information.

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