Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
XXXX Subject : Dispute of Account Request for Validation, Removal of Unauthorized Inquiries, and Update of Personal Information This letter serves as a formal dispute regarding the accuracy and validity of the information you are reporting on my credit report. This dispute is made pursuant to my rights under federal consumer protection laws, including but not limited to : 15 U.S.C. 1692g ( Debt Validation ) : Requires the furnishing party to provide validation of the alleged debt when requested.

15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : Prohibits furnishing inaccurate or incomplete information to the credit reporting agencies.

15 U.S.C. 1681b ( Permissible Purposes ) : Restricts the access and use of my credit information unless a permissible purpose exists. 

Personal Information Update Please update my personal information to reflect the following : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Employer : XXXX Mingle XXXX Additionally, please delete the following undeliverable addresses from my report : XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX also remove the following employers from my file : XXXX XXXX XXXX XXXX XXXX Disputed Accounts I am formally disputing the following accounts as inaccurate and request their immediate investigation and removal if not properly validated : Capital XXXX Auto Finance Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, UT XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX. 

Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Account Number : XXXX Unauthorized Inquiries The following inquiries were unauthorized and must be removed immediately : XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Request for Validation As these alleged debts are being reported to your bureau, I demand : Validation of the Debt : Provide full and complete validation of this debt, including the original contract or agreement bearing my signature. 

Chain of Assignment Contract : Furnish the complete chain of assignment contract to establish the lawful ownership and reporting rights of this account. 

Failure to provide this documentation will constitute a violation of my rights under the aforementioned laws. If this debt is being reported without proper validation or authority, it will be considered a case of Identity Theft, as defined under federal law, and I will demand its immediate removal from my credit report. 

If you are unable to validate this account or provide evidence of permissible reporting, you are required by law to promptly delete this inaccurate or unverifiable information from my credit file under 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ).

Please note that failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities. 

I expect a written response to this dispute, including any documentation you rely upon, within the 30-day period mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 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