Consumer complaint received 2025-12-02 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: IA

Complaint narrative:
I am filing this complaint because the credit bureaus and XXXX XXXX XXXX are reporting inaccurate and unverifiable information. I disputed the debt with XXXX XXXX, XXXX ( the original creditor ), and the credit bureaus. The responses I received show that NO party actually verified anything, and some parties never even received my dispute. 

XXXX. XXXX DID receive my validation letter but never validated the debt. 

I mailed XXXX XXXX a validation letter directly. 
That letter was NOT returned, which means XXXX  DID receive it. 

However, XXXX : Did NOT validate the debt Did NOT send documentation Did NOT provide proof of ownership Did NOT provide the original contract Did NOT respond at all Under FDCPA 1692g ( b ), XXXX was required to validate before continuing to report the debt. They did not.

2. My validation letters to XXXX XXXX & XXXX were RETURNED. 

I mailed Round 1 validation letters to : XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) The corporate address and XXXX XXXX XXXX returned ALL letters as : RETURN TO SENDER UNABLE TO FORWARD ATTEMPTED NOT KNOWN RETURN RECEIPT REQUESTED UNDELIVERABLE I am attaching photos of : The returned envelopes XXXX yellow return labels Certified mail tracking slips This proves the original creditor never received my dispute, meaning they couldnt possibly validate the debt.

3. Experian & TransUnion falsely marked the XXXX account as verified. 

Despite the above facts : XXXX never validated The original creditor never received the dispute No investigation was possible No documentation exists Experian and TransUnion both reported the XXXX Funding account as verified. 

This is impossible and violates : FCRA 611 ( a ) failure to reinvestigate FCRA 607 ( b ) unreasonable procedures FCRA 623 ( a ) ( 3 ) unverifiable information must be deleted FDCPA 1692g ( b ) continued reporting without validation 4. XXXX  DELETED the XXXX  account proving it was unverified. 

I have attached the XXXX  reinvestigation letter showing : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. 

XXXX  deleted the original creditor account because : XXXX did NOT provide documentation They could NOT verify the debt The data could NOT be validated If the original creditor can not verify the account, then the debt buyer ( XXXX  ) can not legally verify it either. 

This proves the XXXX account is unverifiable, inaccurate, and illegally reported. 

5. XXXX Funding is reporting inconsistent and inaccurate data. 

XXXX is reporting : Conflicting dates Different balances No Date of First Delinquency ( DOFD ) No proof of assignment No chain-of-title No original contract This violates : FCRA 623 ( a ) ( 1 ) ( A ) FCRA 623 ( a ) ( 5 ) CFPB Metro 2 accuracy guidelines REQUESTED RESOLUTION I am requesting : Immediate deletion of the XXXX Funding account from ALL credit bureaus. 

A full investigation into XXXX XXXX XXXX. 

Correction of Experian and TransUnions false verified findings. 

Removal of ANY unverifiable or inaccurate information. 

Written confirmation of deletion from all bureaus. 

ATTACHED EVIDENCE I am attaching : Returned certified letters to XXXX XXXX XXXX XXXX XXXX Return to Sender labels Certified mail receipts My XXXX  validation letter ( sent directly ) XXXX  deletion letter showing XXXX  was removed Screenshots showing Experian and TransUnion marked XXXX as verified These documents prove : The original creditor never validated the debt. 

XXXX never validated the debt. 

XXXX  deleted the original debt because it was unverifiable. 

Experian and TransUnion reported false verification. 

The XXXX account is inaccurate, unvalidated, and must be deleted.

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