Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Dispute of Inaccurate and Incomplete Information XXXX XXXX XXXX XXXX Account # XXXX, Amount : {$1000.00} To Whom It May Concern, I am writing to formally dispute the reporting of an account appearing on my Experian credit report under the name XXXX XXXX XXXXXXXX XXXX account number XXXX, with a reported balance of {$1000.00}. 

This account is being reported with inaccurate and incomplete information and must be thoroughly investigated in compliance with the Fair Credit Reporting Act ( FCRA ). 
This account is being reported with inaccurate and incomplete information, specifically in the following areas : Account Type is incorrect or misclassified, Term of Loan is not accurately reported or missing, Last Reporting Date is either incorrect or inconsistent with activity, Date Last Active is inaccurate or unverifiable. 

Furthermore, XXXX XXXX XXXX is not authorized to conduct business in the XXXX XXXX XXXX. To date, they have failed to provide any validation of this alleged debt, nor have they provided documentation outlining any procedures or processes they claim to have performed. These are significant compliance failures and raise serious questions about the legitimacy of this account. 

Accordingly, I am requesting the following : An immediate investigation into the accuracy and validity of this account. 

Written verification from the data furnisher substantiating the debt. 
These actionsor lack thereofare in direct violation of several consumer protection laws, which I am invoking in support of my dispute : Cited Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Experian is required to conduct a reasonable investigation of disputed information within XXXX days. If the data can not be verified, it must be deleted from my credit file. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Debt collectors must provide written validation of a debt upon request. XXXX XXXX XXXX has not met this requirement. 

XXXX XXXX XXXX, Title XXXX, XXXX This law prohibits third-party debt collectors from operating in Texas without being properly registered and bonded with the Texas XXXX XXXX XXXX. To my knowledge, XXXX XXXX XXXX is not authorized to collect debts in Texas, making this account potentially invalid under state law. 

Based on the above, I am requesting the following : A full reinvestigation of the account in question, Written verification and documentation from the furnisher ( XXXX XXXX XXXX ), Immediate removal of this account from my credit file if it can not be validated or is found to be in violation of state or federal law. 

Attached are copies of my government-issued ID and a utility bill to verify my identity and address. 

Removal of the account from my credit report if validation can not be provided or if XXXX XXXX XXXX is found to be in violation of state or federal law. 

Attached are a copy of my government-issued ID and a recent utility bill to verify my identity and address. 

Please provide a written response within 3 days as required under the FCRA. If this matter is not resolved appropriately, I will pursue further action by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney Generals Office, and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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