Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : [ Insert Date ] To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : FORMAL FCRA/FDCPA DISPUTE AND DEMAND FOR DELETION OF UNVERIFIED, INACCURATE, OR OUTDATED ITEMS Dear Experian Dispute Department , This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding multiple inaccurate, incomplete, outdated, or unverifiable items appearing on my Experian credit report. 

In accordance with my rights under FCRA 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ), I demand that Experian conduct a full reinvestigation and remove or correct the following accounts that are being reported in violation of federal law : Accounts in XXXX XXXX XXXXXXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept. of Education / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Written Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged Off ( XXXX separate accounts ) Office of the Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX separate accounts ) XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX Written Off XXXX XXXX XXXX XXXX XXXX XXXX Written Off XXXX XXXX / XXXX XXXX Charged Off Under FCRA 607 ( b ), Experian is required to maintain the maximum possible accuracy of all consumer information. Reporting unverifiable or inaccurate information violates this statutory duty.

Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), you are obligated to conduct a reasonable reinvestigation within 30 days of receipt of this notice. If any furnisher fails to fully verify the accuracy of an account, the item must be permanently deleted from my credit file. 

Additionally, under FCRA 623 ( a ) ( 1 ) ( A ), no data furnisher may continue to report information they know, or should reasonably know, is inaccurate. If any of the above accounts can not be verified with original documentation from the furnisher ( such as signed agreements, payment records, or verifiable dates of delinquency ), they must be immediately deleted from my file.

For accounts involving collection agencies or charged-off debt, I also invoke FDCPA 807 and 809 ( b ), which prohibit false representation and require full validation of any alleged debt upon written request. Should any collector continue to report unverifiable data, it will be considered a violation subject to complaint and civil action. 

Please provide : The name, address, and contact information of each furnisher or collector contacted during reinvestigation ( per 611 ( a ) ( 6 ) ( B ) ( iii ) ) ; Copies of all documentation used to verify the accuracy of each disputed account ; Written confirmation of any deletions or corrections made as a result of this dispute.

If Experian or any furnisher fails to verify these items within the 30-day statutory period, I demand their permanent deletion from my report as required by law. Continued reporting of unverifiable data after notice constitutes a willful violation under FCRA 616 and 617, exposing your agency and the furnishers to liability for damages. 

If unresolved, I will pursue escalation with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Texas Attorney General, and reserve the right to seek private legal relief for noncompliance. 

Please confirm receipt of this letter and provide your full written response to my address listed above. 

Sincerely, XXXX XXXX

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