Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter serves as a formal dispute and demand for immediate cessation of reporting regarding the alleged debt you have placed on my credit report. Your agency has willfully and negligently reported a negative account that is damaging my credit, preventing me from obtaining necessary financial resources to support my family, and hindering my ability to secure housing and transportation. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, you are required to provide proper validation of any debt you claim I owe. However, you have failed to notify me of this debt, failed to provide the required validation, and failed to prove how this debt has been verified. 
Furthermore, your continued reporting of this unverifiable debt is a clear violation of the FCRA, as you are reporting information without conducting reasonable investigations, and in doing so, you are engaging in illegal and deceptive practices that directly harm me. Under FCRA 623 ( a ) ( 3 ) and 623 ( b ), you must cease reporting this account if you can not verify its accuracy.

Additionally, per 15 U.S.C. 1692e ( 8 ), knowingly communicating or reporting false information, or failing to communicate that a debt is disputed, constitutes a clear violation of the law and may result in legal action against your agency. 
This letter also serves as formal notice that I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General regarding your agencys violations. If this matter is not immediately addressed, I will explore all available legal remedies, including a lawsuit for damages under FDCPA 15 U.S.C. 1692k and FCRA 15 U.S.C. 1681n for your willful noncompliance.

Demand for Action : 1. Cease all reporting of this account to credit bureaus immediately.

2. Provide proper validation of the alleged debt, including a detailed accounting and proof of assignment.

3. Remove the negative information from all credit bureaus within 15 days of receipt of this letter.

4. Provide a written statement confirming compliance with these demands.

If you fail to comply, I will take all necessary legal action to hold your agency accountable for its violations. I strongly urge you to take this matter seriously and act immediately. 
You are hereby prohibited from any further contact with me regarding this matter except to confirm compliance with the above demands. 
Failure to act will result in legal consequences

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