Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/year> Experian XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing in regard to a previous dispute I submitted regarding the following account appearing on my credit report : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In your response, you stated that the investigation has been completed and that the account was verified. However, no supporting documentation or details of the verification process were provided.

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that if a credit bureau deems an account " verified, '' they must provide : A description of the procedure used to determine the accuracy, The name, address, and contact information of the party that verified the information, The method and sources used in your reinvestigation.

Furthermore, under FCRA 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a reasonable reinvestigation and remove any unverifiable information. You have not provided any documents or original contracts with my signature proving the debt is valid or legally owed.

Additionally, if this account is being reported by a debt collector, under FDCPA 1692g ( b ), the collection agency is required to validate the debt with original documentation before continuing to report. If they failed to do so, the account must be removed from your system in compliance with federal law.

Lastly, You are currently reporting this item on my credit report without having provided any of the above documents. Your agency has claimed the account is verified or the investigation is complete, yet no evidence or findings were presented to support that claim. This is a violation of FDCPA 1692g ( b ).

Until such validation is provided, I demand : Immediate cessation of any collection efforts, including credit reporting A complete removal of this item from all credit reporting agencies Failure to validate this debt while continuing to report it constitutes false representation and continued collection without proof, which is also a violation of FDCPA 1692e ( 2 ) ( A ) and 1692e ( 8 ).

I am demanding the following : A full explanation of the procedures used in the previous investigation A copy of the documentation provided by the furnisher ( e.g., signed contract, original billing statements ) The name and contact information of the party that verified the account If none of the above can be provided, I demand that this account be permanently deleted from my credit report under FCRA 1681i.

Failure to comply within 15 business days will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential legal action for failure to comply with federal credit reporting regulations. 



Thank you.

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