Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Debt Validation, NOT verification has been sent to all three bureaus in regards of the following information below : Please accept this letter as my formal written request for the following items on my credit report to be investigated. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX Check credit/Line of credit with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. This account was transferred to a debt collector, and I no longer owe money to this creditor but its still showing a balance due. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX  Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. This account was transferred to a debt collector, and I no longer owe money to this creditor but its still showing a balance due. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$12000.00}. I never had a SIGN contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$4000.00}. I never had a SIGN contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$370.00}. The original creditor is XXXX. I never had a SIGN contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$110.00}. The original creditor is XXXX. I never had a SIGN contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate this matter and delete or correct the disputed information as soon as possible. 
Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation