Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
Subject : Complaint Against Experian for Failing to Verify Alleged Debt and Violating FCRA ( 15 U.S.C. 1681c ) To Whom It May Concern at the CFPB, I am filing this formal complaint against Experian Information Solutions , Inc. for failing to properly verify a disputed debt listed on my consumer credit report. 
I recently disputed a derogatory account entry from XXXX XXXX XXXX that appears on my Experian credit report. In response to my dispute, Experian claimed that the account was verified. However, no documentation has been provided to me showing how this verification was conducted or by what method Experian determined the debt to be valid. 
My Dispute Request Was Not Properly Handled : Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and 1681c, a consumer reporting agency is required to conduct a reasonable reinvestigation of any disputed information on a credit report. This includes : Contacting the furnisher of the information directly.

Reviewing all relevant information provided by the consumer.

Removing or correcting inaccurate, incomplete, or unverifiable data.

Experian failed to do this. I was not provided with any of the following : The method of verification used. 


The name, contact information, or proof provided by the furnisher ( XXXX XXXX XXXX ). 


A full accounting of the alleged debt, including contracts, itemized statements, or sworn affidavits validating the existence of this debt. 

I specifically requested verification and proof of the existence of this alleged debt, including any original signed instruments or ledgers. No such proof has been provided. 
Consumer Rights Under 15 U.S.C. 1681c : The Fair Credit Reporting Act prohibits the reporting of obsolete, unverifiable, or inaccurate information. XXXX continued reporting of this account, without verifying the accuracy and legitimacy of the debt, violates 15 U.S.C. 1681c, which mandates that information must be accurate and not misleading. 
Pattern of Unlawful Practices : Additionally, I would like to note that the Consumer Financial Protection Bureau ( CFPB ) has filed legal action against Experian in the past and is currently engaged in litigation due to similar issues involving Experian 's failure to properly verify and handle disputed debts. This appears to be a repeated and willful violation of consumer protection law.

Resolution Requested : I am requesting that the CFPB : Investigate Experians failure to conduct a lawful reinvestigation under 15 U.S.C. 1681i.

Require Experian to provide a detailed method of verification and documentation of the alleged debt.

Enforce the removal of the XXXX XXXX XXXX  account from my credit report unless verifiable, documented proof is provided to me. 


Hold Experian accountable for violations of the FCRA, and any other applicable regulations or statutes. 


Thank you for your time and assistance in this matter.

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