Consumer complaint received 2025-09-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Your company is reporting the below referenced account on my credit report as a collection account. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Account name XXXX XXXX XXXX Account number XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Account name XXXX XXXX XXXX  Account number XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Account name XXXXXXXX XXXX XXXX  Account number XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Account name XXXXXXXX XXXX XXXX  Account number XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Account name XXXXXXXX XXXX XXXX Account number XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Account name XXXX XXXX XXXX Account number XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Account name XXXX XXXX XXXX Account number XXXX Please remove it from my credit report. 


8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Account name XXXX XXXX XXXXXXXX Account number XXXX Please remove it from my credit report. 

9. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Account name XXXX XXXX XXXXXXXX Account number XXXX Please remove it from my credit report. 

10. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Account name XXXX XXXX XXXX XXXX Account number XXXX Please remove it from my credit report. 

11. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Please remove it from my credit report. 

12. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Account name XXXX Account number XXXX Please remove it from my credit report.

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