Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX Subject : Formal Complaint Against XXXX XXXX XXXX, XXXX and Experian for Continued Reporting of Unverified Debt To Whom It May Concern, My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. I am submitting this complaint to bring to your attention serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by both XXXX XXXX XXXX, XXXX ( XXXX ) and Experian. 


On XX/XX/XXXX, I submitted a formal written request to XXXX XXXX XXXX, XXXX, requesting full validation of an alleged debt they claim I owe in the amount of {$1000.00}, under account number XXXX. This letter requested : - A copy of the assignment contract proving PRAs legal right to collect on the alleged debt. 
- Verification of the original debt amount, including statements and documentation from the original creditor. 

In response, XXXX acknowledged that they purchased the account from XXXX XXXX but failed to provide any assignment contract or itemized documentation substantiating the debt. They simply stated that they obtained information from XXXX XXXX and considered the debt valid without offering proper proof. 


Subsequently, I disputed this account with Experian, clearly explaining that XXXX had not met the burden of validation. Despite this, Experian marked the account as verified and continues to report the alleged debt on my credit file. This action constitutes a violation of the FCRA ( XXXX XXXX. XXXX ) for failing to conduct a reasonable reinvestigation. 

Furthermore, PRAs continued furnishing of the account to Experian, without proper validation or assignment documentation, also violates FDCPA XXXX XXXX. XXXX ( b ) and XXXX ( XXXX ), which prohibits furnishing false or misleading information to credit bureaus. 


I respectfully request that the Consumer Financial Protection Bureau investigate these actions and ensure the following : XXXX. That XXXX XXXX XXXX provide full validation including the assignment contract, or cease all collection activities and delete the tradeline from all credit reporting agencies. 
XXXX. That Experian remove this account from my credit report unless they obtain and verify sufficient documentation that satisfies the legal standard for debt validation. 
XXXX. That both entities be held accountable for any continued non-compliance with FCRA and FDCPA provisions. 


Outstanding Violations Following Reinvestigation After a detailed review of the credit reporting entries and subsequent reinvestigations by Experian, the following violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) remain unresolved and are outlined below : XXXX. Failure to Provide Assignment Contract and Chain of Title : - Despite a formal request under the FDCPA and FCRA, XXXX XXXX XXXX failed to provide the assignment contract or chain of title demonstrating legal ownership of the debt. This omission violates XXXX XXXX. XXXX and XXXX. 

XXXX. Continued Reporting of Disputed Debt Without Proper Validation : - Experian continues to report the account from XXXX XXXX XXXX as 'verified ' despite the lack of assignment documentation or adequate debt validation. This violates FCRA XXXX ( b ) by failing to ensure maximum possible accuracy in the consumer report. 

XXXX. Failure to Mark Account as Disputed Accurately or Timely : - Although the complaint and dispute were submitted and acknowledged by XXXX, the credit reporting agency failed to properly update the status in a timely manner, potentially violating FCRA XXXX ( a ) ( XXXX ). 

XXXX. Inaccurate and Incomplete Payment History Reporting : - The SYNCB/SCORE REWARDS account continues to reflect inaccurate delinquency history including multiple charge-off entries without sufficient monthly breakdowns. These inconsistencies violate FCRA XXXX. 

XXXX. Balance Discrepancies : - The account lists an original balance of {$320.00}, yet the highest balance is reflected as {$400.00} and the current balance is {$390.00}. The inconsistency in reported figures without explanatory data is a potential violation of FCRA XXXX ( b ). 

These continued inaccuracies and lack of proper documentation have materially harmed my credit profile, and I respectfully request immediate attention and corrective action in accordance with the law. 
Please find attached a copy of my original dispute letter to XXXX and their response, along with the Experian reporting that falsely marks the account as verified.

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