Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Round XXXX Dispute Formal Demand for Deletion of RC/Resurgent Receivables ( Account # XXXX ) To Whom It XXXX Concern, This letter serves as my second formal dispute regarding the inaccurate and unverified account being reported by RC/Resurgent Receivables ( Account # XXXX ). 

My initial dispute did not result in the proper resolution, as Experian merely updated the account instead of conducting a thorough and lawful investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes an account. Updating the account without proving its validity is not a reasonable investigation. I demand that Experian immediately remove this account unless it can provide verifiable legal proof of its accuracy and legitimacy.

Legal Demands & Required Actions 1. Full Verification of the Debt Under 15 U.S.C. 1681i ( a ) ( 2 ) & ( a ) ( 5 ), I demand the following within 15 days : A detailed method of verification, including the name and contact details of the person or entity that verified this debt.

A complete itemized breakdown of the debt, including the original creditor, dates of service, and the exact amount owed.

A copy of the original contract bearing my signature, proving I have a legal obligation to this debt, as required under 15 U.S.C. 1666.

A valid chain of custody showing how this debt was transferred or sold from the original creditor to RC/Resurgent Receivables.

2. Ensuring Maximum Accuracy Under 15 U.S.C. 1681e ( b ), Experian is legally required to ensure that all reported information is 100 % accurate, complete, and verifiable. If there is any discrepancy in how this account is being reported, it must be deleted immediately as per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

3. Cease Reporting of Unverified Debt If Experian can not provide legally admissible proof that this debt is valid, continuing to report it constitutes a violation of 15 U.S.C. 1681n ( willful noncompliance ), for which I reserve the right to pursue legal action against Experian.

Final Demand & Next Steps If Experian fails to provide all requested documentation within 15 days, this account must be immediately and permanently deleted from my credit report in compliance with the law.

Failure to comply will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Legal action against Experian for willful noncompliance under 15 U.S.C. 1681n, including potential damages.

I expect a written response confirming the results of your reinvestigation and the documentation used to verify this account.

If Experian can not provide ironclad proof that this debt is valid and legally collectible, it must be deleted from my credit file immediately. 

This is my final attempt to resolve this matter before escalating the issue further. 

Sincerely, 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