Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy, completeness, and verifiability of several accounts currently appearing on my Experian credit report. 
This correspondence is a formal reinvestigation request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection laws.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I am demanding verification and documentation for each disputed account. If Experian or the data furnishers can not produce verifiable documentation within the required 30-day timeframe, I request immediate and permanent deletion of the unverifiable data in accordance with FCRA 611 ( a ) ( 5 ). 

XXXX. Credence Resource Management ( Original Creditor : XXXX  ) Account # : XXXX Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Status : Collection This account is unverified, inaccurate, and incomplete. No signed contract, chain of title, or proof of assignment has been provided. 
Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information known to be inaccurate, and under FDCPA 807 ( 8 ) and 809 ( b ), collection without validation is unlawful. 
Demand : Delete this account unless full documentation proving ownership and accuracy is produced. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$300.00} | Date Opened : XX/XX/XXXX | Status : Collection This account appears to be inaccurately reported and previously disputed without adequate validation. Reporting a debt without full substantiation violates FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ).

Demand : Provide verifiable evidence of the original contract, complete payment history, and proof of assignment, or delete immediately per FCRA 611 ( a ) ( 5 ). 

XXXX. XXXX XXXX XXXX Account # : XXXX Balance : {$470.00} | Date Opened : XX/XX/XXXX | Status : Charged Off This account reflects 35 potentially negative months, conflicting balance data, and an unverifiable charge-off status. 
Under FCRA 607 ( b ), credit bureaus must maintain maximum possible accuracy ; conflicting information violates this duty. 
Additionally, continued reporting of a charged-off account with no remaining collection activity may represent outdated and misleading data under FCRA 605 ( a ).

Demand : Conduct full reinvestigation and delete this item if verification can not be proven. 

XXXX. XXXX XXXX XXXX ( Multiple Accounts Reported ) Account # : XXXX | Balance : {$700.00} | Date Opened : XX/XX/XXXX | Status : Charged Off There are multiple Possible Financial Inc. accounts reported as paid and never late, yet one is listed as a charge-off, which creates duplicate and inconsistent reporting. 
This inconsistency constitutes a violation of FCRA 607 ( b ) ( maximum possible accuracy ) and 623 ( a ) ( 1 ) ( A ) ( furnishers shall not report information known to be inaccurate ).

Demand : Remove the duplicate/erroneous charge-off immediately or provide complete verification documentation, including original signed agreement and account history. 

XXXX. XXXX XXXX Account # : XXXX Balance : {$710.00} | Date Opened : XX/XX/XXXX | Status : Charged Off This account is outdated and unverifiable. The reporting date conflicts with activity history, and the completed investigation consumer disagrees comment indicates the item remains unsubstantiated. 
Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted after reinvestigation. 
Demand : Remove this obsolete and unverifiable account immediately. 

Legal Basis and Notice Under the following provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), Experian and data furnishers are required to comply with strict accuracy and verification standards : FCRA 602 ( A ) Congressional findings emphasizing accuracy and fairness in credit reporting.

FCRA 607 ( b ) Obligation to ensure maximum possible accuracy of reported information.

FCRA 609 ( a ) ( 1 ) ( A ) Right of consumer to receive all information in their credit file.

FCRA 611 ( a ) ( 1 ) ( A ) Duty to reinvestigate disputed information within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) Requirement to delete unverifiable or inaccurate information.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibition on furnishing information known to be inaccurate.

FDCPA 807 ( 8 ) Prohibition against false or misleading credit reporting.

FDCPA 809 ( b ) Requirement to cease collection until validation is provided.

Failure to comply may constitute willful noncompliance under FCRA 616617, exposing Experian and its data furnishers to statutory damages and civil liability.

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