Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX Department XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Re : Formal Dispute Demand for Deletion of Unverified Collection Account Dear XXXX XXXX XXXX, I am formally disputing the accuracy and legality of the following collection account being reported on my credit file : Collection Agency : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Amount : {$92.00} Date Assigned : XX/XX/XXXX Reported Status : Unpaid XXXX. Failure of Reasonable Investigation Under FCRA XXXX ( a ) ( XXXX ) ( A ), you are required to conduct a reasonable investigation of disputed information. Merely parroting information provided by the furnisher is insufficient, as established in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). Unless you can provide verifiable documentation such as a signed contract, billing statements, or proof of responsibility this account must be deleted. 

XXXX. Lack of Proper Validation by XXXX Collector Under FDCPA XXXX ( b ), a debt collector must provide validation of the debt upon request. This includes proof of ownership, assignment, and itemization of the alleged debt. XXXX XXXX has not provided validation of this alleged account. Reporting an unvalidated debt violates both the FDCPA and FCRA XXXX ( b ), which requires maximum possible accuracy. 

XXXX. Inaccurate and Misleading Reporting Reporting a {$92.00} alleged debt as unpaid without validation is both inaccurate and misleading. It unfairly damages my creditworthiness and violates FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits the reporting of information known to be inaccurate or unverifiable. 

XXXX. Emotional and Financial Harm The continued reporting of this small, unverified, and disputed collection account has caused me : Denial of credit opportunities Inflated interest rates on financial products Emotional distress and financial hardship Damage to my reputation XXXX. Formal Demand for Deletion I hereby demand that this collection account be : Deleted from my credit file immediately due to failure of proper verification. 

Written confirmation of deletion be provided to me within XXXX  days of receipt of this letter. 

Failure to comply will result in further escalation, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General, as well as the pursuit of legal remedies under the FCRA and FDCPA. 

This is not a request it is a demand for compliance with federal law. 

Respectfully, XXXX XXXX

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