Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
Transunion, XXXX, XXXX Subject : Formal Dispute of Debt Reporting Request for Debt Validation and Verification Dear Credit Bureau Representative, I am writing to formally dispute the handling and reporting of a debt associated with XXXX XXXX XXXX and to address multiple legal violations that have occurred under federal law. I request immediate corrective action to ensure compliance with the relevant statutes.

Heres the updated section with your request : Failure to Identify the Original Creditor and Provide Proof of Debt Security Credit Services is claiming to be the original creditor for this alleged debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information must ensure the accuracy and completeness of reported data. Therefore, I formally request that XXXX XXXX XXXX provide proof that I have a direct outstanding debt with them, including : A copy of any signed contract or agreement showing that I entered a financial obligation directly with XXXX XXXX XXXX. 
Any documentation proving their ownership of the debt and the complete chain of custody from the original creditor, if applicable. 
A detailed account statement that outlines the amount owed, interest rates, fees, and payment history. 

If XXXX XXXX XXXX can not provide direct proof that I incurred this debt with them, then their claim is inaccurate, and this account must be removed from my credit report immediately in accordance with FCRA 1681i ( a ) ( 5 ) ( A ). Continuing to report unverifiable debt may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations regarding debt obligations.

Let me know if you'd like any further refinements!

Failure to Identify the Original Creditor Upon reviewing my credit report, I noticed that no original creditor is listed for this account. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) mandates that only accurate and fully verifiable information be reported to credit bureaus. If XXXX XXXX XXXX or the original creditor can not provide proper documentation confirming ownership and validity, this debt must be removed. 

Failure to Verify the Debt Before Reporting Under the FCRA, 15 U.S.C. 1681i, I have the right to request information regarding how this debt was verified. I demand that the credit bureau provide : 1. The name and contact information of the entity that allegedly owns the debt.

2. Documentation proving the legitimacy and accuracy of the reported debt.

3. A detailed explanation of the method ( s ) used by the credit bureau to verify the information provided by XXXX XXXX XXXX. 

If the credit bureau is unable to verify the accuracy of this debt per FCRA 1681i ( a ) ( 5 ) ( A ), it must be deleted from my credit report immediately.

Failure to Notify of Charge-Off If the original creditor charged off this debt, I was not properly notified as required by the Truth in Lending Act ( TILA ), 15 U.S.C. 1666a. The FCRA also mandates accurate reporting, and failure to notify me of this charge-off is a violation of both TILA and FCRA 1681s-2 ( a ).

Failure to Send Validation Notice to the Correct Address The FDCPA, 15 U.S.C. 1692g ( a ), requires that a validation notice be sent within XXXX days of initial communication. If XXXX XXXX XXXX failed to send this notice or used outdated contact information, this constitutes a violation of the FDCPA. 

Failure to Update Credit Report Under the FCRA, 15 U.S.C. 1681s-2 ( b ), once a debt is disputed, credit reporting agencies must be notified that the account is in dispute. My credit report has not been updated to reflect this dispute, violating federal law.

Formal Request for Immediate Action Considering these violations, I formally request the following : 1. Copies of my signed agreement and any identification provided to the original creditor.

2. A complete and detailed response on how the credit bureau verified this debt.

3. Immediate update of my credit report to reflect the " disputed '' status of this account, as required by law.

4. If proper validation and verification can not be provided, this debt must be permanently deleted from my credit report.

Until this debt is properly validated, it remains unverified, and any further reporting or collection efforts would continue to violate federal law. Please provide a written response regarding your findings and the actions taken within the XXXX period mandated by the FCRA. 
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