Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent your agency a previous verification notice about the alleged debt reporting on my consumer report that needs to be deleted. I requested verification of this alleged account which you failed to adequately provide me. Your agency provided a statement which is a generalized accounting that is NOT accurate because it was NOT a record authenticated ; This is a presumption and is just prima facie! 
This is NOT validation/verification so this erroneous, alleged debt must be deleted from reporting on all consumer reporting agencies Experian, Transunion and Equifax ) . 
The account is noted below : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} Before we proceed, I want to clarify that I, XXXX XXXX XXXX , am the one reaching out, not a credit repair company. 
I now demand a request for accounting, pursuant to the Uniform Commercial Code ( UCC ), which is recognized as commercial law.

UCC Article 9-210 ( 2 ) is noted below.

9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT.

( a ) [ Definitions. ] In this section : ( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).

( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.

Ive requested verification of this alleged debt which you have still NOT given me adequately YET. Its too late and must NOW be deleted from all consumer reporting agencies! 
If your agency is having a hard time understanding the law, my request for an accounting means the request for an accounting you provide me must be signed by someone under authority in order to VALIDATE/VERIFY the information in the instrument ; this is the meaning of what a record authenticated means. A record CAN NOT be authenticated without being signed by someone under authority, therefore youve not supplied me with adequate information and because its been over 30 days since Ive made my request youve violated the Fair Credit Reporting Act ( FCRA ) by reporting INVALIDATED information!

If you're unable to provide an original contract bearing my signature ( which I'm confident you can't ), entire purchase agreement or assignment letter, Master sales agreement, and the forward flow agreement, then you have no right to furnish this inaccurate information. By doing so, your agency has not only violated my privacy rights but has also breached numerous provisions of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), without even delving into other potential violations.

Your agency 's actions amount to several violations simply by reporting this alleged debt. 

I want to make it clear that violations of these statutes can make your agency liable for a minimum of {$1000.00} per violation. I urge you to take this notice seriously to prevent further escalation. 
My character has been defamed due to this misinformation, and I demand that you delete the mentioned accounts from my consumer report. 
Furthermore, I demand that all attempts to collect on this alleged debt cease immediately, and any further communication with me must adhere strictly to the condition of providing me with a new copy of my credit report with these accounts removed.

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