Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Experian Confirmation # : XXXX To Whom It May Concern, This letter serves as a formal follow-up and urgent dispute regarding the XXXX XXXX account listed on my Experian credit file ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experians response XXXX, XXXX, states that this item was verified, yet your agency also updated key data fields on XXXX XXXX without explanation or documentation. These unexplained updatesabsent any new consumer activityraise serious concerns under the Fair Credit Reporting Act ( FCRA ), particularly in light of the new information I am providing herein. 
New Supporting Evidence Exhibit C Enclosed with this dispute is Exhibit C XXXX XXXX XXXX XXXXXXXX to CFPB Complaints, which contains direct admissions from XXXX XXXX  confirming they do not possess the legally required documentation to verify this debt. XXXX explicitly states : As the application was submitted via the internet, there is no signed application to provide. 
Your billing statements serve as the detailed history of the account Under the FCRA and FDCPA, this is wholly inadequate. There is no cardmember agreement, no signed application, no account chain of title, and no proof of assignment. This confirms that XXXX was unable to validate the debt in accordance with 15 U.S.C. 1692g and 1681i, and therefore Experian could not have lawfully verified the accounts accuracy as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Account Details Being Disputed : - Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reported Balance : {$16000.00} - Date Opened : XX/XX/XXXX - Status : Charged Off - Last Payment Date : XX/XX/XXXX - Last Updated by Furnisher : XX/XX/XXXX Legal and Procedural Deficiencies : XXXX. Lack of Proper Verification : No original contract, signed agreement, or validation materials were ever produced ( see Exhibit C ). Continued reporting violates FCRA 1681i and FDCPA 1692g. 
XXXX. Misrepresentation of Creditor : Following Discovers merger into Capital XXXX, the tradeline still lists XXXX as the active ownerviolating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

3. Improper Balance Reporting : XXXX admits in Exhibit C it no longer independently manages the account yet still reports a balance of {$16000.00} without legal authority or updated creditor assignment. 
XXXX. Unlawful Re-Aging : The last updated field was changed in XX/XX/XXXX despite no new activity, in violation of FCRA 1681c ( a ) ( 4 ) - ( 5 ). 
XXXX. No Notice of Transfer : I was never notified of a legal assignment to XXXX XXXX as required under FDCPA 1692g and FCRA 1681s-2. 
XXXX. If you can not comply, I will escalate the matter to relevant state or federal regulatory agencies. I will also consider initiating legal action for willful noncompliance under 15 U.S.C. 1681n. 

Conclusion : Your continued reporting of this unverifiable, inaccurate accountespecially after being presented with Discovers own admission that validation is impossibleconstitutes gross negligence or willful violation of federal law. I request that you immediately delete this tradeline and confirm compliance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosure : Exhibit C XXXX XXXX XXXX Responses to CFPB Complaints ( PDF )

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