Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Dispute of Inaccurate and Unverified Accounts Request for Immediate Removal am formally disputing the following accounts on my credit report as they are inaccurate and unverified according to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. I am requesting immediate removal of these items if proper verification can not be provided within 30 days, as mandated by law. 

Accounts in Dispute : XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Paid, Closed XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Paid, Closed XXXX XXXX Opened : XX/XX/XXXX Status : {$1300.00} Past Due ( Under Dispute ) XXXX Opened : XX/XX/XXXX Status : Potentially Negative FCRA 1681s-2 ( a ) ( Furnisher Responsibilities ) : Information providers must report only accurate and complete information. Reporting false or unverifiable information violates federal law. 

FCRA 1681b Permissible Purposes : Under federal law, only authorized and validated debts should appear on my credit report. 
I am requesting proof of my signature authorizing each of these debts to be reported to Experian. If such documentation does not exist, these accounts must be immediately deleted. 
FDCPA 809 Validation of Debts : Debt collectors are required to provide clear validation of the debt, including a contract or agreement bearing my signature!! 
Failure to provide signed authorization within 30 days constitutes a violation of my consumer rights. 

FCRA 1681b Permissible Purposes : Under federal law, only authorized and validated debts should appear on my credit report. 
I am demanding proof of my signed agreement that permits you to report these debts. If you can not provide a contract bearing my signature explicitly authorizing this reporting, then you are required by law to remove these accounts immediately.

FDCPA 809 Validation of Debts : Debt collectors must provide clear validation of the debt, including a contract or agreement bearing my signature. 
If you are unable to produce this signed contract, you must delete this information from my credit report as it is unverified and unauthorized. 
Requested Action : I am requesting the following within XXXX  days : Proof of Signature : A copy of the original signed agreement authorizing you to report these debts. 
Full Validation : Complete documentation of the debt, including the original creditors name, the amount, and proof of legal assignment of the debt.

Immediate Removal : If you can not provide my signed authorization, these accounts must be removed from my credit report immediately as required by law. 
Failure to Comply : If you can not provide this information within XXXX  days, I will consider it a violation of the FCRA and FDCPA and will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies if necessary. 

Please respond to this dispute in writing at the address provided.

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