Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To : Experian Information Solutions , Inc . 
Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Re : Immediate removal of inaccurate and unverifiable account information ; demand for verifiable ownership and validation ; notice of rights and remedies Consumer : XXXX XXXX XXXX Current Address on File : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX I am writing to formally dispute and demand immediate removal of all unverifiable items appearing on my credit file. I exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and associated provisions, and I invoke related obligations under 15 U.S.C. 1681s-2 and related case law. The items below must be treated as unverifiable and, absent verifiable ownership and complete, accurate information, must be removed promptly to prevent ongoing harm. 

Disputed accounts ( newly listed and subject to removal unless verifiable ) : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX Key assertion and legal basis These items have not been verified. There is no verifiable ownership, no locateable account under the named entities, and no verifiable dates. Under the FCRA, these items must be deleted or, if verifiable, must be conclusively validated with documented ownership and current status ( charged-off, delinquent, or in collections ). The furnisher and the CRA owe a duty to ensure accuracy and to stop reporting unverifiable information. I have already raised this dispute with CFPB, XXXX, OCC, FDIC, and the furnisher, and I will not endure another round of duplicative inquiries absent fresh, verifiable information. I will upload the responses from those agencies to the dispute portal as applicable. 

Critical rationale for immediate action Continuing to report unverifiable information causes substantial harm : damaged creditworthiness, higher borrowing costs, and avoidable financial and emotional distress. The central objective of the FCRA is accuracy and fairness in consumer reporting ; failure to meet this standard is a violation of substantive duties. In this vein, I rely on well-established principles from cases recognizing the consumers right to accurate reporting and a furnishers obligation to verify or remove unverifiable data ( for example, Safeco Insurance Co. of America v. Consumer Financial Protection Bureau , 551 U.S. 442 ( XXXX ), which emphasizes reasonableness in procedures and accuracy, and related doctrines underscoring the consumer-protective purposes of the FCRA and FDCPA ) XXXX Additional authorities such as Small v. United States reinforce the need for accurate information and legitimate process. I expect strict compliance with these duties. 

Remedies and potential actions if the dispute is not resolved If these items remain unverifiable, I will pursue all available remedies, including but not limited to : Filing complaints with the CFPB and state regulators. 
Legal action for willful or negligent FCRA violations and, where applicable, FDCPA violations. 
Damages ( statutory and actual ), costs, and attorneys fees where permitted. 
Coordinated action across all three major credit bureaus to ensure uniform reporting. 
Possible injunctive relief compelling furnisher adherence to robust verification procedures. 

Requested actions ( must be completed promptly ) 1 ) Immediately delete/remove the disputed accounts from my XXXX credit file unless verifiable ownership and accurate, complete information can be provided by the furnishers : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX ) If any item can be verified, provide strict evidence of ownership, date of the account, and the current status ( charged-off, delinquent, or in collections ) in compliance with the FCRA and related regulations XXXX 
3 ) If unverifiable or unlocatable, supply a written explanation and remove the item under FCRA 1681i ( a ) ( 1 ) and applicable state rules.

4 ) Provide a copy of the updated credit report reflecting these removals and the results of your investigation, per FCRA 1681i ( a ) ( 6 ) and 1681g.

5 ) Notify the furnishers and the Consumer Relationship File of the results, including the steps you took to verify accuracy, per FCRA 1681i ( a ) ( 3 ) and 1681i ( a ) ( 4 ).

6 ) Ensure consistency across all three major credit bureaus ; once removal is confirmed, notify Experian and XXXX  and provide updated reports reflecting the same status. 

Law, authorities, and case law ( essential citations ) FCRA, 15 U.S.C. 1681 et seq., including : 1681a ( definitions ) 1681e ( maximum possible accuracy ) 1681i ( dispute procedures ) 1681s-2 ( furnisher duties ) 1681g ( access to consumer reports ) 1692e and 1692g ( FDCPA provisions related to debt collectors and validation ) Supporting authorities and principles Safeco Ins. Co. of Am. v. Consumer Financial Protection Bureau, 551 U.S. 442 ( XXXX ) Spokeo, Inc. v. Robins, 578 U.S. 330 ( XXXX ) Small v. United States, 544 U.S. 100 ( XXXX ) Definition notes ( for clarity ) Consumer report, furnisher, verification, and related terms are as defined in 15 U.S.C. 1681a ( 5 ) and associated sections, and the access rights are outlined in 1681g.

Attachments and supporting materials Copies of prior dispute communications and responses from CFPBXXXX XXXX  OCC, FDIC, and furnishers Documentation showing lack of verifiable ownership or locateable accounts Portal screenshots or correspondence related to the dispute Requested response and timeline Please acknowledge receipt and provide a written plan with a concrete timeline, including a completion date. If additional time is necessary, request a justified extension ( not to exceed 45 days ) with the specific information required to complete the investigation. 

Respectfully, XXXX XXXX XXXX Current address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX

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