Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : This letter serves as a formal procedural request under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ), regarding the investigation and verification of the following disputed accounts : XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I previously disputed these accounts as inaccurate, incomplete, and unverifiable. You have either verified or continued to report them. Therefore, I am requesting that you provide, in writing, the specific method of verification used to verify each account, including : 1. The name, address, and contact information of the individual, company, or furnisher who verified the information ; 2. A detailed description of how the verification was conducted, including what documents or records were reviewed ; 3. The date the verification was performed, and 4. Copies of any correspondence, electronic communications, or documentation provided by the furnisher to verify the account.

Under FCRA 611 ( a ) ( 7 ), you are required by law to provide this procedural description within 15 days of receiving this request.

Failure to provide this information constitutes noncompliance with the FCRA and will result in formal complaints filed with the CFPB, FTC, and Arizona Attorney General, and potential legal action for willful noncompliance under FCRA 616. 

Please respond in writing to my current address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX XXXX : [ XX/XX/year> ] SSN ( last XXXX ) : [ XXXX ] XXXX. Experian XXXX XXXX XXXX XXXX XXXX XXXX AI This letter disputes inaccurate information reported by XXXX XXXX XXXX XXXX XXXX to Experian. Pursuant to 15 U.S.C. 1681i ( a ), the information is inaccurate, incomplete, and unverifiable. I demand deletion under FCRA 611 ( a ) ( 5 ) ( A ). The furnisher has not provided full validation or proof of contract or ownership. Please conduct a full reinvestigation and provide a description of your procedures used to verify this data, as required by FCRA 611 ( a ) ( 7 ).

2. Debt Validation Request Advance Financial XXXX XXXXXXXX XXXX This serves as a formal demand for validation under 15 U.S.C. 1692g ( b ) and FCRA 623 ( a ) ( 1 ) ( A ). Provide full proof of ownership, original signed agreement, and all assignment contracts proving the legal transfer of this alleged debt. Until validation is complete, all collection and reporting must cease. Failure to comply will result in legal action and complaints to the CFPB, FTC, and Arizona Attorney General. 
Additionally, provide the complete chain of assignment or transfer documentation, including all intermediary owners or assignees from the original creditor to your organization. Each transfer must show : ( XXXX ) the name, address, and contact information of each entity that owned or serviced this account ; ( XXXX ) the date and terms of each assignment, sale, or transfer; and ( XXXX ) executed copies of all assignment or purchase agreements. Failure to provide this documentation constitutes a failure to validate under 15 U.S.C. 1692g ( b ) and requires permanent deletion of the account under FCRA 611 ( a ) ( 5 ) ( A ).

3. Experian Dispute Letter Auto Now Financial This is a formal dispute of thXXXX XXXX XXXX XXXXXXXX account reporting on my Experian credit file. The reported information is inaccurate, unverifiable, and outdated in violation of FCRA 607 ( b ) and 611 ( a ). Please provide a procedural description under FCRA 611 ( a ) ( 7 ) explaining how this information was verified and with whom. If unverifiable, delete the account immediately as required by FCRA 611 ( a ) ( 5 ).

4. Debt Validation Request Auto Now Financial This letter demands validation of the alleged account in accorda
nce with 15 U.S.C.

1692g ( b ). Please provide the full original contract, complete payment history, and the assignment or sale documentation proving XXXX XXXX XXXXXXXX has the right to report or collect on this account. You must also provide your Arizona licensing information and immediately cease reporting until validation is complete. 
In addition, provide the complete chain of assignment or ownership transfers for this account, showing every intermediary owner or servicer from the original creditor to your company. 
Each assignment must include the entitys full contact details, the date of transfer, and executed copies of all purchase or assignment agreements. Absence of this documentation renders the account unverifiable and subject to deletion under FCRA 611 ( a ) ( 5 ) ( A ).

5. Procedural Request Credit Reporting Agency Under FCRA 611 ( a ) ( 7 ), I am requesting a full description of the procedures used to determine the accuracy and completeness of information disputed in my file. Please include the name, business address, and telephone number of each furnisher of information contacted in connection with your reinvestigation. This is a statutory right and must be provided within 15 days of completion of your reinvestigation. 
XXXX. Notice of Ongoing Violations and Intent to Escalate This notice serves to document ongoing violations under the FCRA and FDCPA if any inaccurate or unverifiable data continues to be reported. You are hereby placed on notice that failure to delete unverifiable accounts or to provide the requested procedural and validation documentation will result in immediate complaints to the CFPB, FTC, and state regulatory agencies, and may result in a private right of action for statutory and actual damages under 15 U.S.C. 1681n, 1681o, and 1692k

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