Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
The company has failed to properly investigate the items below and I asked for specific guidelines during the investigation. It is past 30 days and I would like the accounts removed. 


XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) The name and last known address of the debtor as it appeared in the creditor 's records prior to assignment. 

The names of all individuals or entities, if any, to whom this debt has been assigned. 

Additionally, please provide a copy of the contract or any document evidencing my agreement to the debt. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you update my credit report to reflect accurate information. Please ensure that any contracts or agreements provided correctly spell my name and address and include authentic signatures, whether digital or handwritten. 

I have been disputing this debt for the past two years, during which my credit has suffered significant damage. Despite my efforts, neither Experian nor XXXX has received adequate proof f confirming that these debts are valid and attributable to me. If you can not validate and verify I expect immediate removal from my credit file. 

Furthermore, I have observed that certain accounts, previously removed, have resurfaced on my credit report as of XX/XX/XXXX XXXX. For instance : XXXX XXXX XXXX Account : XXXX Status : Deleted XXXX. XXXX, XXXX Account : XXXX Status : Deleted Additionally, a XXXX  XXXX account, allegedly opened in XXXX, remains on my credit report without any balance or pertinent information. I am unfamiliar with this account and request its removal. 

I am prepared to seek monetary damages as permitted under the FCRA if these issues are not promptly addressed. I believe that the continued reporting of these unverifiable debts constitutes a violation of my consumer rights. 

Please consider this a final formal dispute and a request for validation. 

there are many laws under the FCRA that protect me. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) : This section outlines the responsibilities of credit reporting agencies to conduct a reinvestigation of disputed information within 30 days of receiving a dispute.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Establishes the right for consumers to request validation of a debt from debt collectors. This includes : Proof that the collector is authorized to collect the debt. 
A breakdown of the balance, including fees and interest. 
The original creditors details and the date of delinquency or last payment. 
15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representation of debt in collection efforts.

15 U.S.C. 1692f : Establishes communication guidelines, ensuring debt collectors respect privacy and do not engage in harassment. 

Requesting proof of authorization to collect debt ( 15 U.S.C. 1692g ).

Requesting a copy of the original agreement ( relevant under both FCRA and FDCPA ).

Demanding correction or deletion of unverifiable information under 15 U.S.C. 1681i ( a ).

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