Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re : Formal Dispute of Inaccurate and Unverified Account Appearing on My Experian Credit Report To Whom It May Concern : I am writing to formally dispute an account showing on my Experian credit report that remains unverified and potentially inaccurate. The collection agency in question, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), has failed to provide any valid debt validation in response to my lawful request, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

ACCOUNT IN DISPUTE XXXX XXXX XXXX Account Number ( as listed ) : XXXX Reported Balance : {$490.00} I have repeatedly requested written proof of this debt but have not received the required validation notice or supporting documentation. Under the Fair Credit Reporting Act ( FCRA ), any information that is inaccurate, incomplete, or unverifiable must be promptly removed from a consumers credit file ( FCRA XXXX ( a ) ( XXXX ) ( A ) ). Since the debt collector has not produced the necessary validation, this entry can not be verified and should be deleted from my Experian credit report. 

LEGAL REFERENCES & VIOLATIONS FCRA 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ] Requires credit reporting agencies to investigate disputed information. If it can not be verified, it must be removed.

FCRA 611 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] Stipulates that when an item is inaccurate, incomplete, or unverified, the agency must delete or correct that information.

FCRA 623 ( a ) ( 1 ) & 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ] Obligates furnishers to accurately report and update information. Reporting an unverified debt violates these provisions.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Requires credit reporting agencies to employ reasonable procedures to assure maximum possible accuracy of the information they report.

FDCPA 807 & 809 [ 15 U.S.C. 1692e & 1692g ] ( if XXXX XXXX XXXX is acting as a debt collector ) Debt collectors must provide a validation notice within five days of contact and cease collection if the debts validity is challenged and not verified. 

ACTIONS REQUESTED Delete/Remove the disputed account ( XXXX XXXX XXXX ) from my Experian report immediately, as it remains unverified and inaccurately reported. 

Provide written confirmation of the removal or correction. 

Ensure that any inquiry linked to this unverified debt is also removed from my Experian report. 

CONCLUSION Continued reporting of an unverified and potentially inaccurate debt is a direct violation of the FCRA. If Experian fails to address this matter promptly, I may proceed with formal complaints to the Identity Theft and other regulatory authorities. 

Thank you for your immediate attention to this dispute. If you need any additional information, please contact me at the address or phone number below.

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