Consumer complaint received 2025-09-01 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: MI

Complaint narrative:
I am filing this complaint against Experian. I have disputed inaccurate collection accounts on my credit report multiple times. Most recent dispute was in XXXX of 2025. Each time, I receive a generic response stating the account has been verified, but I am never provided with the method of verification as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

I have also requested from Experian the method that they use for verification and I keep receiving a generic response saying that they have verified but never show any proof of verification. If XXXX  hasn't provided me with the proof of how they verified the information then how do I know that it was actually done? However, the agency has not provided satisfactory responses or corrected the inaccuracies.

Specifically, I am demanding : The system used to verify this account.

The version of that system ( including any software or database utilized ).

The record identifier that links the reported data to the alleged account.

The name and contact information of the person or entity that verified the information.

Copies of all documents, records, or correspondence relied upon in your determinations.

Additionally, under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information you report. At this time, I am demanding procedural proof : Provide documentation that demonstrates what reasonable procedures your agency followed in these cases.

Identify the exact steps taken to ensure the accuracy of this disputed account.

Explain how those procedures comply with the requirements of 1681e ( b ).

Your failure to follow reasonable procedures constitutes a procedure violation of the FCRA.

I also sent multiple written requests for debt validation to the collection agency XXXX XXXX XXXX XXXX as required under the FDCPA ( 15 U.S.C. 1692g ). In my request, I specifically asked for : A signed contract or agreement proving my obligation to pay this alleged debt.

A complete account history with itemized charges.

Proof that the collection agency has the legal right to collect this debt.

Full accounting ( accounts receivable and payable ).

A statement confirming that collection efforts would cease until proper validation was provided.

Proof of licensing to collect debts in Michigan, including the license number.

Proof that all interest and fees were applied according to the original agreement and relevant laws.

Proof that the debt has already been charged off by the creditor.

An explanation of any misapplied or uncredited payments, including documentation under Article 3 of the UCC.

Documentation showing legal assignment/authority to collect on behalf of the original creditor.

A copy of the assignment contract or agreement supporting their claim.

The only information I received in response was the creditors name, alleged balance, and account number. For clarity, I am not acknowledging ownership or liability for this alleged debt. I am disputing the accuracy and validity of how this account has been reported and collected.

This is not sufficient validation under the FDCPA and fails to demonstrate ownership, accuracy, or legal authority to collect. Despite this, the agency has continued to report the account to the credit agencies, which also failed to provide me with the required procedural proof under 15 U.S.C. 1681e ( b ) to demonstrate that they follow reasonable procedures to assure maximum possible accuracy.

As a result of these repeated violations and continued reporting of inaccurate and unvalidated information, my credit profile has been harmed and my car insurance premiums have increased, causing me financial loss.

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