Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : FCRA and FDCPA Violations Unverified Reporting and Non-Responsive Behavior by XXXX XXXX XXXX ( Account # XXXX ) To Whom It May Concern : I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX, for continued and unlawful reporting of a collection account associated with XXXX XXXX  XXXX  XXXX XXXX XXXX  ( Account # XXXX ) in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Summary of the Issue XXXX XXXX XXXX is reporting a collection account with an alleged balance of {$3400.00} across all three major credit reporting agencies : Experian, XXXX, and XXXX. I formally contacted them via email and certified mail with a detailed Pay-for-Delete settlement offer on [ insert date of first email ] proposing {$510.00} as a good-faith resolution, contingent upon complete deletion of the account from all credit bureaus. 

To date, XXXX XXXX XXXX has : Failed to respond in any capacity to my lawful communication ; Refused to validate or verify the debt, despite being legally obligated to do so ; Continued to report the account, materially damaging my creditworthiness as I pursue a mortgage. 

Violations of Federal Law The following provisions of the FCRA and FDCPA are being violated : 1. 15 U.S.C. 1681e ( b ) Failure to Assure Accuracy Consumer reporting agencies and furnishers must ensure that the information they report is maximally accurate. XXXX XXXX XXXX has reported an amount that includes excessive fees and has not validated the accuracy of the underlying data. 

2. 15 U.S.C. 1681i ( a ) ( 5 ) Unverified Information Must Be Deleted When a consumer disputes a tradeline, and the furnisher can not verify the accuracy of that information, they are legally required to delete or correct it. XXXX XXXX XXXX has ignored my dispute and request for verification, thus continuing to report unverifiable information. 

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Knowingly Furnishing Inaccurate Information XXXX XXXX XXXX has had reasonable cause to believe this information is inaccurate or unverifiable and yet has continued to furnish it to the credit bureaus. 

4. 15 U.S.C. 1681b No Permissible Purpose Given that I have no open contract or consent with XXXX XXXX XXXX, and the original lease has long since lapsed, there appears to be no current permissible purpose to continue collecting or furnishing this data. 

5. FDCPA Violations Failure to Communicate and Validate Under 15 U.S.C. 1692g, a consumer has the right to request validation of the debt. XXXX XXXX XXXX failed to respond to my written request and has engaged in non-responsive behavior, amounting to willful neglect. 

Requested Action I am requesting the following immediate corrective actions : Immediate deletion of Account # XXXX from my credit reports with XXXX, Experian, and XXXX. 

Written confirmation that the account has been removed and that no further reporting or collection activity will occur. 

A full investigation by the CFPB into XXXX XXXX XXXX ' pattern of non-responsiveness to formal consumer disputes and settlement offers, especially where deletion was requested and could lawfully be granted as part of a private resolution. 

Conclusion : I take my rights as a consumer seriously. I have approached this matter in good faith, offered an immediate and reasonable settlement, and fulfilled my obligations under the law. XXXX XXXX XXXX has not fulfilled theirs. I request swift regulatory intervention and deletion of this inaccurate and unvalidated account. 

Respectfully, 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