Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
* * VALIDATION OF DEBT & NOTICE OF INTENT TO SUE ( FCRA, FDCPA, 15 U.S.C. 1681 & 1692 ) * * From : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To : Equifax XXXXnformation Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> RE : Formal Dispute, Demand for Validation, and Notice of XXXX XXXX XXXX for {$10000.00} To Whom It May Concern, This correspondence serves as a formal dispute, a demand for full validation, and official Notice of Intent to Sue for {$10000.00} for your continued reporting of inaccurate, unverified, and incomplete information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The file you are reporting contains multiple errors, inaccuracies, and unverifiable accounts. I have identified these disputes below ( as shown in the attached pages ) including incorrect personal information, unauthorized inquiries, and unvalidated accounts reported by various furnishers. These include, but are not limited to : Inaccurate addresses Unauthorized inquiries ( XXXX XXXX, XXXX, XXXX, etc. ) Unvalidated accounts including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX FCU XXXX XXXX, and others listed in the attached report. 

XXXX XXXX XXXX  These entries remain on my file without proper validation and appear to violate : FCRA Violations : 1681e ( b ) Failure to maintain maximum possible accuracy 1681i ( a ) Failure to conduct a lawful reinvestigation 1681g & 1681h Failure to disclose method of verification 1681n & 1681o Civil liability for willful/negligent noncompliance FDCPA Violations ( where applicable ) : 1692e False, deceptive, or misleading representations 1692f Unfair or unconscionable practices 1692g ( b ) Failure to provide debt validation upon request DEMANDS 1. Full Validation of Each Disputed Account I am requesting the following for every disputed account you are reporting : A copy of the original signed contract or application with my signature Complete accounting records Name of the current creditor and chain of custody Method of verification used in prior investigations Proof that each furnisher had permissible purpose to report under FCRA 604 If you can not validate the information with actual documentation, you must delete all disputed items immediately. 

2. Deletion of All Inaccurate, Unverified, or Incomplete Items Any item you can not validate must be permanently deleted, including : Incorrect personal information All unauthorized inquiries All accounts lacking proper verification Repetitive or duplicate accounts You are also prohibited from re-inserting deleted items without full compliance with FCRA 611 ( a ) ( 5 ) ( B ) ( written notice within 5 business days ). 

3. Updated Corrected Credit File After removals, you must provide : An updated copy of my corrected file Notification of corrections sent to all creditors who received my report in the last 6 months, or 2 years for employment purposes 4. Notice of Intent to Sue for {$10000.00} If these errors are not fully corrected within : 30 days ( FCRA reinvestigation period ) I will initiate legal action for : {$1000.00} statutory damages per violation {$5000.00} {$10000.00} for willful noncompliance Attorney fees and court costs Actual damages, including financial, emotional, and credit-based harm This letter serves as your final notice. 

5. Required Response Timeline You have : 30 days to complete reinvestigation 15 days afterward to disclose method of verification 5 days to notify me before any re-insertion attempt Failure to respond will constitute further violation and increase liability. 

Conclusion I expect immediate compliance. All future correspondence must be sent in writing to the address listed above. 

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