Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
Formal Dispute of Inaccurate and Unverifiable Information Across All Bureaus To whom it may concern, I am writing to formally dispute the accuracy of multiple accounts appearing on my credit report across **Equifax , Experian, and TransUnion** . **Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, ** the credit bureau is required to conduct a **thorough reinvestigation** and remove any items that are inaccurate, outdated, or unverifiable within **30 days. ** 1. Charge-Offs and Collection Accounts FCRA & FDCPA Violations** The following accounts are **reporting across all three bureaus** and must be **validated or deleted immediately : ** - **XXXX  Acct # XXXX ( TransUnion, Equifax, Experian ) ** - **Violation : ** No history available, unverifiable debt.

- **Legal Grounds : ** FCRA 1681b requires all reported debts to be accurate and verifiable. 

- XXXX Acct # XXXX ( TransUnion, Equifax , Experian ) ** - **Violation : ** Account assigned to collections without full validation.

- **Legal Grounds : ** FDCPA 1692g mandates validation of all debt assignments. 

- **XXXX XXXX XXXX XXXX Acct # XXXX ( TransUnion, Equifax, Experian ) ** - **Violation : ** Late payments reported inaccurately, failure to verify contract.

- **Legal Grounds : ** FCRA 1681s-2 prohibits data furnishers from reporting inaccurate information. 

- **XXXX XXXX XXXX  Acct # XXXX ( TransUnion, Equifax , Experian ) ** - **Violation : ** Debt collection does not comply with FDCPA standards.

- **Legal Grounds : ** FDCPA 1692e prohibits deceptive and misleading collection practices. 

- **XXXX XXXX XXXX XXXX Acct # XXXX ( TransUnion, Equifax, Experian ) ** - **Violation : ** Account placed in internal collections without proper notification.

- **Legal Grounds : ** Metro 2 Compliance requires all collection actions to be properly documented and reported. 

- **XXXX XXXX Acct # XXXX ( TransUnion, Equifax , Experian ) ** - **Violation : ** No data available to verify legitimacy.

- **Legal Grounds : ** FCRA 1681i states unverifiable accounts must be removed. 

- **XXXX XXXX  Acct # XXXX ( TransUnion, Equifax , Experian ) ** - **Violation : ** Placed for collection without verification.

- **Legal Grounds : ** FDCPA 809 ( b ) states consumers have a right to request and receive proper validation.

2. Additional Account Reporting Only to Equifax** - **XXXX XXXX XXXX Acct # XXXX ( Equifax Only ) ** - **Violation : ** No payment history, unverifiable balance.

- **Legal Grounds : ** FCRA 1681s-2 requires data furnishers to provide **complete and accurate information. ** **3. Demand for Action** Per **FCRA 1681i**, I formally request the following actions : Conduct a full **reinvestigation** of these accounts.

Provide **original signed contracts** proving the legitimacy of the reported debts.

If these debts ** can not be fully validated**, they must be **deleted immediately** from my credit report.

Provide me with a **new copy of my updated credit report** once corrections have been made.

Failure to comply with this request will result in **formal complaints** to the **Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action. ** I expect to receive a **written response** and an updated report **within the legally required 30-day time frame. ** 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