Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and a demand for the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ). I am also invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) for accounts placed by third-party debt collectors. 

XXXX. Incorrect Personal Information Please delete the following inaccurate names from my file : XXXX XXXX XXXX XXXX Delete the following inaccurate addresses from my file, as I have never resided at these locations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts to Be Deleted These accounts are fraudulent, have been previously disputed, and remain unverified : XXXX XXXX XXXXXXXX Account No. : XXXX Opened : XX/XX/XXXX Balance : {$670.00} Status : Collection Reason : Fraudulent account. Under 15 U.S.C. 1681i ( a ), Experian must delete unverifiable accounts. As a third-party debt collector, ACCOUNT SERVICES is also bound by 15 U.S.C. 1692g ( b ) to produce written validation upon request, which has not been provided. 

XXXX XXXX XXXX XXXX Account No. : XXXX Opened : XX/XX/XXXX Balance : {$1700.00} XXXX : XXXX Reason : Fraudulent account. Previously disputed and XXXX failed to produce any proof or original contract. Under 15 U.S.C. 1681i ( a ) ( 5 ), this must be deleted. Under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), verification requires actual evidence, not a mere database match. 

XXXX. Method of Verification Demand For each disputed account, provide the following in compliance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ) : A complete description of the procedure used in your reinvestigation. 

The names, addresses, and telephone numbers of each person, company, or agency you contacted. 

The exact documentation reviewed ( e.g., original signed contracts, account statements, application forms ). 

Important : An electronic confirmation from the furnisher is not legally sufficient to meet your reinvestigation obligation. As held in : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) CRAs may not simply parrot the furnishers claims. 

XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) XXXX must be supported by concrete evidence that the account belongs to the consumer.

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