Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
Debt validation letter was requested from bureau and they failed to provide requested information. Initial request was mailed on XX/XX/year> Creditor Name : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this account for the following reasons : Lack of Verification : I demand that you, as a Credit Reporting Agency, verify the accuracy and completeness of all information associated with this account. I require original, verifiable documentation that demonstrates my legal obligation for this debt. This includes, but is not limited to, a copy of the original loan agreement with my signature, a full accounting ledger of the loan 's history, and proof that this debt is indeed mine. 

Unverifiable Information : I have reason to believe that the information being reported for this account may be inaccurate or incomplete. Specifically, I request verification of : The precise nature of my alleged involvement with this account. 

The original loan amount and current outstanding balance, including a detailed breakdown of principal, interest, fees, and payments made. 

The date of last activity and last payment. 

Proof that the account 's current status ( e.g., charge-off, past due ) is accurately reported based on documented payment history. 

Missing or Incorrect Information : My records do not fully align with the information presented on my credit report regarding this account. I require the furnisher, XXXX  XXXX XXXX, to provide comprehensive documentation to substantiate every reported data point. 

Demand for Investigation : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are obligated to conduct a reasonable reinvestigation of disputed information. This investigation must include reviewing all relevant information provided by me and the furnisher. 

If the furnisher, XXXX XXXX  XXXX, can not provide complete and verifiable documentation to substantiate the accuracy and completeness of this account within the legal timeframe ( generally XXXX  days, or up to XXXX  days if you provide additional information during the initial XXXX  days ), this account must be deleted from my credit report. 

Please provide me with the results of your investigation in writing, along with a free copy of my updated credit report, within the statutory timeframe. 

I requested this information on XX/XX/year> - Please see original letter mailed to bureaus with proof of delivery, and they failed to properly investigate. I need this properly investigated and deleted within XXXX  days as this has been pending since XX/XX/year> and bureau listed as " updated '' without proper due diligence.

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