Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
RE : FORMAL RESPONSE TO EXPERIAN 'S INCOMPLETE VALIDATION DEMAND FOR PROPER INVESTIGATION AND DOCUMENTATION. 

I am writing in response to your recent correspondence in which you claimed that the accounts I disputed were " validated. '' However, your reply failed to include any documentary proof of validation or ownership of the alleged accounts as I specifically requested in my prior letter dated XX/XX/2025. 

XXXX. FAILURE TO PROVIDE PROPER VALIDATION : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), Experian has a legal duty to conduct a reasonable reinvestigation of disputed information. A blanket response that an account was " validated, '' without providing : XXXX. The chain of assignment or transfer of ownership of the debt, XXXX. Full GAAP-compliant accounting records reflecting receivables/payables from inception XXXX. A signed contract or agreement bearing both my autograph and the signature from the other party XXXX. Proof that the promissory note was not deposited does not satisfy the statutory requirement of a good faith reinvestigation. 

Simply parroting information back from a furnisher without furnishing actual proof constitutes willful noncompliance with the FCRA. 

XXXX. REPORTING INACCURACIES AND DAMAGE CAUSED : As stated in my prior notice, I have documented evidence showing that accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were securitized and transferred into asset-backed securities. Once securitized, ownership and custodial rights were altered, making any continued reporting of these accounts potentially inaccurate, incomplete, and misleading. 

The continued reporting of unverifiable and inaccurate information has caused me discrimination, denial of credit opportunities, emotional distress, and financial hardship. 

XXXX. EXPERIAN LEGAL EXPOSURE : If Experian continues to report unverifiable accounts without proper documentation, you are in violation of : 15 U.S.C. 1681i Failure to properly reinvestigate disputes.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681n Willful noncompliance, subjecting you to statutory damages, punitive damages, and attorneys fees.

15 U.S.C. 1681o Negligent noncompliance, subjecting you to actual damages and attorneys fees.

Courts have consistently held that CRAs may not rely solely on automated responses from furnishers when the consumer has provided evidence challenging the validity of the information. 

XXXX. FINAL DEMAND : Accordingly, I demand that Experian either : Provide full documentary validation of the disputed accounts as outlined above within 15 days of receipt of this letter, or Immediately delete these unverifiable accounts from my credit profile. 

XXXX XXXX XXXX Without Prejudice, UCC 1-308

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