Consumer complaint received 2025-02-11 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: WI

Complaint narrative:
Dispute with Equifax XXXX XXXX XXXX ( Collection Account ) : Date of Dispute : XX/XX/XXXX Creditor : XXXXXXXX XXXX  Creditor Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing a collection account reported by XXXXXXXX XXXX on my credit report. The account was reported on XX/XX/XXXX, and I am requesting verification and validation of the debt under 15 U.S.C. 1692c, 15 U.S.C. 1692g, and 15 U.S.C. 1681e ( b ). I am seeking documentation such as the original contract, the complete payment history, and proof of legal transfer of the debt. 
. Dispute with Equifax XXXX XXXX XXXX Collection Account : Date of Dispute : XX/XX/XXXX Creditor : XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Creditor Phone : XXXX Date Account Reported : XX/XX/XXXX I am disputing a collection account reported by XXXX XXXX XXXX XXXX credit report. The account was reported on XX/XX/XXXX, and I am requesting verification and validation of the debt in accordance with 15 U.S.C. 1692c, 15 U.S.C. 1692g, and 15 U.S.C. 1681e ( b ). I have requested documentation, including the original contract, payment history, and proof of legal transfer or assignment of the debt. 

I have also stated that the accounts presence on my credit report is causing a financial burden, making it more difficult for me to obtain approvals for necessary credit and financial opportunities. I am requesting that the account be immediately removed from my credit report if the company can not provide the required validation within the timeframe. 

Dispute with Equifax XXXX XXXXXXXX XXXX ( Collection Account ) : Date of Dispute : XX/XX/XXXX Creditor : XXXX XXXX Creditor Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Creditor Phone : XXXX Date Account Reported : XX/XX/XXXX I am disputing the accuracy of a collection account reported by XXXX XXXX  on my credit report. The account was reported on XX/XX/XXXX, and I am requesting verification and validation of the debt under 15 U.S.C. 1635, 15 U.S.C. 1692g, and 15 U.S.C. 1681e ( b ). I am seeking documentation such as the original contract, payment history, and proof that this account was properly assigned or transferred. 

As with the previous dispute, the presence of this account on my credit report has caused a financial burden and hindered my ability to gain necessary approvals for credit. I am requesting that it be removed from my credit report if validation can not be provided. 

Dispute with Equifax XXXX XXXX XXXX XXXX ( Collection Account ) : Date of Dispute : XX/XX/XXXX Creditor : XXXX XXXX XXXX Creditor Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Creditor Phone : XXXX Date Account Reported : XX/XX/XXXX I am disputing a collection account reported by XXXX XXXX XXXXXXXX on my credit report. The account was reported on XX/XX/XXXX, and I am requesting verification and validation of this debt under 15 U.S.C. 1692c, 15 U.S.C. 1692g, and 15 U.S.C. 1681e ( b ). I am requesting that the company provide proof of the original contract, the complete payment history, and confirmation of the debt transfer. 

Once again, the presence of this account has caused a financial burden and has negatively affected my ability to be approved for important financial opportunities. I am requesting that this account be removed from my credit report if the validation can not be provided. 

For each of these disputes, I have requested that the accounts be removed from my credit report if the necessary documentation can not be provided by the creditor or reporting agency within the legal timeframe.

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