Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
I am submitting this complaint regarding the unauthorized and unlawful collection accounts being reported by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX These entities are inaccurately reporting debts to the consumer reporting agencies without providing proper documentation or legal validation. I have never entered into a direct contractual agreement with any of these third-party debt collectors, and I am demanding the production of a physical copy of the original signed contract that demonstrates I agreed to have them act on behalf of, or purchase a debt from, the original creditor. Without such documentation, their attempts to collect or report these alleged debts constitute a violation of federal law.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), consumers have the right to request verification of a debt within 30 days of being contacted by a debt collector. I exercised this right, and to date, none of the companies listed have provided sufficient documentation that includes the name and address of the original creditor, the amount owed, or proof that they are authorized to collect the debt. Continuing to report and pursue collection without proper validation violates this statute and is a deceptive and unfair practice.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, information furnished to consumer reporting agencies must be accurate and verifiable. These companies have reported unverified and potentially inaccurate information on my credit profile, and despite my formal dispute and request for validation, they have failed to provide legitimate proof of ownership of the debt or any legal basis for collection. This also violates Section 611 of the FCRA, which governs the reinvestigation of disputed information. 

The continued reporting of these unverifiable and invalid accounts is causing significant and unjust harm to my financial reputation. It is negatively impacting my credit score, limiting my access to credit opportunities, and creating unnecessary barriers in my personal and professional life. Therefore, I am requesting that the Consumer Financial Protection Bureau initiate a formal investigation and compel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to immediately cease reporting these accounts and permanently delete them from all consumer credit reporting agencies. I am also requesting written confirmation that no further collection activity will take place unless a valid and legally binding original contract, signed by me, is produced. 

Their failure to comply with debt validation requirements, maintain accurate credit reporting, and furnish documentation as required under the FDCPA and FCRA warrants swift regulatory enforcement and full removal of these accounts

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