Consumer complaint received 2025-11-16 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: GA

Complaint narrative:
b'I am writing pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g, to dispute inaccurate personal information, request validation of certain accounts, and demand removal of unverifiable data from my credit report.\n\n\n\n1. Incorrect Addresses\n\nThe following addresses are incorrect and must be deleted from my credit file immediately:\n\t\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address ID: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address ID: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address ID: XXXX\n\nMy correct address is XXXX XXXX XXXX XXXX XXXX XXXX.\nUnder FCRA 611 (15 U.S.C. 1681i), I request correction of my identifying information within 30 days.\n\n\n\n2. Incorrect Phone Numbers\n\nPlease remove the following inaccurate and outdated phone numbers from my report:\n\t\XXXX\n\tXXXXn\n\n\n3. Validation Request  Debt Collection Accounts\n\nUnder FDCPA 809 (15 U.S.C. 1692g), I request full debt validation for the following accounts. Until proper validation is provided, these accounts must be suppressed or deleted from my credit file:\n\nXXXX XXXX XXXX XXXXnAccount #: XXXX\nBalance: XXXXB. XXXX XXXX XXXX XXXX\nAccount #: XXXXnBalance: XXXXn\nC. XXXX XXXX XXXX XXXX XXXX XXXX XXXXnAccount #: XXXXnBalance: XXXX\n\nFor each of the above accounts, please provide:\n\t\tProof of assignment, contract, or full chain of title (including the bill of sale and identifying account details).\n\t\tAccount-level documentation (statements, signed contract, and payment history).\n\t\tProof of licensing and bonding to collect in the State of Georgia.\n\t\tItemized breakdown of the total balance, showing principal, interest, and all fees.\n\t\tName of the original creditor and documentation verifying ownership of the debt.\n\nUntil this information is verified in full, I hereby invoke my right under FDCPA 805(c) to cease and desist from all collection activity and reporting.\n\n\n\n4. Charge-Off Accounts  Request for Verification and IRS Compliance\n\nPursuant to the FCRA, FDCPA, and IRS Regulation 26 U.S.C. 6050P, I request validation and supporting documentation for the following charged-off accounts.\nIf any of these accounts were forgiven, settled, or otherwise canceled, a Form 1099-C (Cancellation of Debt) should have been issued by the creditor.\n\nAccounts for Review:\n\t\tXXXX XXXX   Acct #: XXXX   Balance: XXXXn\t\tXXXX XXXX  / XXXX XXXX XXXX  Acct #: XXXX   Balance: XXXX\n\t\tXXXX XXXX XXXX XXXX   Acct #: XXXX  Balance: XXXXn\t\tXXXX XXXX XXXX XXXX  Acct #: XXXX   Balance: XXXX\n\t\tXXXX XXXX XXXX XXXX  Acct #: XXXX  Balance: XXXX\n\t\tXXXX XXXX XXXX  Acct #: XXXX  Written-off AmountXXXX XXXX XXXXBalance $0)\n\nFor each, please provide:\n\t\tDate of charge-off and closing.\n\t\tName of any trust or entity currently holding ownership.\n\t\tAssignment or transfer contract.\n\t\tItemized statement showing how the balance was calculated.\n\t\tProof the account is legally enforceable under Georgia law.\n\t\tCopy of Form 1099-C (if applicable).\n\nUntil verification is provided, these accounts are considered disputed and not legally collectible under FCRA 623(a)(3).\n\n\n\n5. Unauthorized Hard Inquiries\n\nThe following hard inquiries were made without my authorization:\n\t\tXXXX / XXXX XXXX   Dated XXXX XXXX XXXX\n\t\tJXXXX XXXX XXXX   [Insert Date Shown on Report]\n\nUnder FCRA 604 (15 U.S.C. 1681b), a consumer reporting agency may only furnish a report with written authorization or a permissible purpose. These inquiries do not meet that standard and must be removed immediately.'

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