Consumer complaint received 2025-07-17 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: MI

Complaint narrative:
Subject : Formal Dispute of Inaccurate, Incomplete, and Unverifiable Accounts Demand for Deletion Pursuant to FCRA 611 and Metro 2 Compliance Dear CFPB Representative, I am submitting this formal complaint and dispute regarding multiple accounts reported on my credit reports by XXXX, Experian, and XXXX. These accounts are inaccurate, incomplete, and unverifiable, and do not comply with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), 609 ( a ) ( 1 ), and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). I demand an immediate investigation and deletion of these accounts unless full, proper validation is provided. 
XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Reported Balance : {$960.00} Date Opened : XX/XX/XXXX Reported As Of : XX/XX/XXXX Status : Open Collection Issues : No original signed contract, billing statements, or legal chain of custody provided.

Account status remains " Open '' despite being placed in collections over 4 years ago, indicating stale or misleading data.

Consumer dispute remark shows prior challenges, but no proper validation has ever been received. 
XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Reported Balance : {$720.00} Date Opened : XX/XX/XXXX Reported As Of : XX/XX/XXXX Status : Open Collection Issues : Account lacks any itemized breakdown or contract authorizing this charge. 
No verification of consumer responsibility or service agreement with XXXX XXXX. 
Violates Metro 2 data standards and lacks completeness per FCRA 609. 
XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) Reported Balance : {$4200.00} Date Opened : XX/XX/XXXX Reported As Of : XX/XX/XXXX Status : Open Collection Issues : No contract, signed agreement, or legal right to collect on behalf of XXXX XXXX XXXX has been provided. 
The high balance is unsubstantiated and lacks breakdown of charges or service usage. 
Multiple placed for collection entries suggest redundant or inflated reporting. 
XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) Reported Balance : {$190.00} Date Opened : XX/XX/XXXX Reported As Of : XX/XX/XXXX Issues : Unverified debt with no original billing or proof of XXXX assignment to XXXX. 
Reporting is vague, generic, and unverifiable under Metro 2 and FCRA standards. 
XXXX XXXX XXXX Reported Balance : {$830.00} Credit Limit : {$500.00} Status : Charge-off Date Opened : XX/XX/XXXX Reported As Of : XX/XX/XXXX Issues : Account shows 168 % utilization for a closed credit line, which is mathematically and contractually questionable.

No documentation verifying lawful charge-off or balance justification.

Charge-off appears to be reported without adequate substantiation or monthly billing history.

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