Consumer complaint received 2025-12-27 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: VA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a debt that is being repeatedly reported on my consumer credit report despite the fact that I do not owe this debt and it has not been properly verified. 

I have formally disputed this account, yet the creditor and/or debt buyer continues to furnish negative information to the credit reporting agencies without providing lawful verification as required under federal law. 

Violations of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), once a furnisher receives notice of a dispute, it is required to : Conduct a reasonable investigation Review all relevant information Modify, delete, or permanently block information that is inaccurate or can not be verified Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits a furnisher from reporting information it knows or has reasonable cause to believe is inaccurate. 

To date, no competent evidence has been produced to substantiate this account, including : A signed contract or agreement Proof of assignment or ownership of the debt A complete account history Documentation establishing that this debt is legally owed by me Pursuant to 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ), information that can not be verified must be deleted. 



Violations of the Fair Debt Collection Practices Act ( FDCPA ) If this account is being reported by a debt collector or debt buyer, continued reporting without verification also violates the Fair Debt Collection Practices Act. 

Under 15 U.S.C. 1692g ( b ), when a consumer disputes a debt in writing, the debt collector must cease collection activity until the debt is validated. The CFPB has made clear that credit reporting constitutes a collection activity. 

Further, 15 U.S.C. 1692e prohibits false, deceptive, or misleading representations in connection with the collection of a debt, including the reporting of a debt that is not owed or not substantiated. 



Violations of CFPB Regulation F ( Debt Buyers/ Purchased Debt ) This account appears to involve a purchased or transferred debt, which is governed by CFPB Regulation F ( 12 C.F.R. Part 1006 ).

Under 12 C.F.R. 1006.34 ( c ), debt collectors must possess and provide specific validation information, including : The name of the original creditor The amount of the debt with itemization Documentation demonstrating that the debt belongs to the consumer Absent this information, the debt collector may not continue collection or credit reporting activity. 

Additionally, CFPB enforcement actions and supervisory guidance have emphasized that debt buyers must maintain reliable documentation to support the accuracy of credit reporting, particularly for older or purchased debts. 



Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Reporting an unverified debt that continues to harm a consumers credit profile constitutes an unfair and deceptive practice under 12 U.S.C. 5531 and 5536, which prohibit covered persons from engaging in unfair, deceptive, or abusive acts or practices in connection with consumer financial products and services.

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