Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute an account appearing on my credit report that is under FTC review due to potential violations of federal law. The creditor has failed to provide a validation of debt in response to my lawful request. Furthermore, there are inaccuracies being reported across multiple credit bureaus, which must be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested written validation of this debt from the creditor, yet I have received no response within the time required by law. Additionally, there are inconsistencies in the way this account is reported among different bureaussome show contradictory balances, open/close dates, and payment histories. 

Under the FCRA, any inaccurate, incomplete, or unverifiable information must be promptly removed from a consumers credit report. Since the creditor has not provided the required validation, this entry can not be verified and therefore must be deleted. 

LEGAL REFERENCES & VIOLATIONS FCRA 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ] Requires that credit reporting agencies investigate disputed information. If it can not be verified, it must be removed.

FCRA 611 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] Stipulates that when an item is found to be inaccurate, incomplete, or unverified, the agency must delete or correct that information.

FCRA 623 ( a ) ( 1 ) & 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ] Obligates furnishers to accurately report and update information. Continuing to report an account without validating the debt violates this requirement.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Mandates that credit reporting agencies maintain maximum possible accuracy. Reporting conflicting or unverified data undermines this obligation. 

FDCPA 807 & 809 [ 15 U.S.C. 1692e & 1692g ] ( if the furnisher is acting as a debt collector ) Debt collectors must provide a validation notice within five days of contact and must cease collection if the debts validity is challenged and not verified. 

ACTIONS REQUESTED Delete/Remove the disputed account from my credit report immediately, as it remains unverified. 

Provide written confirmation of the removal or correction of the disputed information. 

Ensure that any inquiry associated with this unverified account is also removed. 

CONCLUSION Please note that continued reporting of an unverified and inaccurate account is a violation of federal law. If XXXX fails to address this matter promptly, I may proceed with formal complaints to the FTC, and other relevant authorities.

Thank you for your immediate attention to this dispute. If you require any additional documentation, you may contact me at the address or phone number below.

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