Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX SS # XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : I Just found my credit report and noticed I would like to know the method of verification Complaint and Request for Investigation Inaccurate Credit Reporting I am writing to file a formal complaint and request a full investigation into inaccurate and incomplete items appearing on my credit report. 


While reviewing my credit report, I discovered several accounts that are reporting incorrect or incomplete information. I previously contacted the credit bureaus in writing and requested that they conduct a full investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, but they either denied my requests or marked the items as verified without providing any explanation of how the verification was determined. 
Despite sending multiple dispute letters, these bureaus have failed to correct or remove the inaccurate information. They also failed to provide documentation demonstrating how they defined these items as accurate or verified. This is a clear violation of my rights under the FCRA, which requires credit bureaus to : XXXX a reasonable investigation of disputed items, Delete or correct inaccurate or unverifiable information, Provide the consumer with the method of verification, and Disclose the method of investigation used to determine the outcome. 
For these accounts below Accounts XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY BBY/CBNA XXXX * * * * * * * * * * Please remove it from my credit report. 


XXXX XXXX CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE CAPITAL XXXX XXXX * * * * * * Please remove it from my credit report. 


XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX * * * * * * Please remove it from my credit report. 


XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX * * * * * * Please remove it from my credit report. 


XXXX XXXX CODE XXXX - VALIDATION OF DEBTS DISCOVERCARD XXXX * * * * * * Please remove it from my credit report. 


XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX * * * * * Please remove it from my credit report. 


XXXX XXXX CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE GLBLNDSVCS XXXX * * * * Please remove it from my credit report. 


XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX * * * * * * * * * Please remove it from my credit report. 






Courts have consistently held that credit reporting agencies can not simply parrot information from furnishers without conducting a meaningful investigation : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Held that a credit bureau XXXX be liable if it relies solely on a furnishers response without conducting its own reasonable investigation. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Reaffirmed that failure to conduct an independent investigation into disputed items can constitute a willful violation of the FCRA. 


XXXX v. Equifax, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) : Established that failure to provide the method of verification upon request violates the consumers rights. 


I am formally requesting that the CFPB require the credit bureaus and furnishers to conduct a complete and thorough investigation of these accounts. Please also compel them to provide me with the full method of investigation and verification used to determine the disputed items were accurate. If the items can not be verified with proper documentation, they must be removed from my credit file. 
If these violations continue, I intend to pursue all available legal remedies for noncompliance with the FCRA Oh by the way I hope you understand that the FCRA XXXX in the section below Adverse Action Notice : I also want to bring to your attention that the continued reporting of this unvalidated debt has had a significant adverse impact on my life. I was recently denied credit when applying for a job, as the employer conducts a credit check as part of their hiring process. The adverse information you reported contributed directly to my disqualification. This constitutes an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m. 
The denial of employment due to this unverified and potentially inaccurate information is not only distressing but XXXX also be unlawful if the debt is not properly validated. As a result, I am requesting that you immediately investigate this matter and cease all collection activities until you can provide proper validation. 
Relevant Case Law Supporting My Request : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case affirms the requirement that a debt collector must provide validation of the debt upon request and must cease collection efforts until proper validation is provided. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) In this case, the court ruled that if a debt collector fails to validate a debt as requested, they can not continue to pursue collection activities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case highlights the necessity for a debt collector to provide accurate and complete information about the debt in question when validation is requested. 
Failure to comply with my request XXXX constitute a violation of both the FDCPA and FCRA, and I reserve the right to pursue legal remedies to protect my rights. Please respond to this request within 30 days, as required by law. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ), I am formally requesting validation of this debt. 
According to the FDCPA, I am entitled to request and obtain verification of any alleged debt that a debt collector claims I owe. Specifically, I request : Proof that your company is legally entitled to collect this debt. This includes any contracts, agreements, or assignments that show that you have the authority to collect on this debt. 
Detailed accounting of the alleged debt, including a breakdown of the amount you claim I owe and how it was calculated. 
Proof that I am the correct debtor. This includes any signed agreements or contracts that bear my signature and that demonstrate my legal obligation to pay this debt. 
If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you to remove these items from my file. 
Please note XXXX sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these items, I will be referring this matter to my attorney for further action. Please do not make this a litigious matter... 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
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