Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Dispute and Demand for Investigation XXXX XXXX XXXX  I am writing to dispute the accuracy, validity, and completeness of an account furnished by XXXX XXXX XXXX that appears on my credit report. The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX I assert that this account contains inaccurate, incomplete, and unverifiable information and violates my rights under the **Fair Credit Reporting Act ( FCRA ) **. I demand a full reinvestigation of this account and its removal from my credit report if it can not be validated. 
Legal Basis for Dispute 1.15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting an account that is inaccurate, unverifiable, or fraudulent violates this requirement. 
2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Upon dispute, a consumer reporting agency must conduct a reinvestigation to determine whether the disputed information is accurate. If the information can not be verified, it must be corrected or deleted within 30 days. 

3. 15 U.S.C. 1681s-2 ( b ) : Furnishers of information, such as XXXX XXXX XXXXXXXX , must investigate disputes forwarded by credit reporting agencies. If the account can not be verified, it must be removed immediately. 
4. 15 U.S.C. 1681c ( a ) : Consumer reporting agencies are prohibited from reporting accounts that are inaccurate, unverifiable, or that result from fraudulent activity. My Concerns Regarding This Account 1. Lack of Validation : XXXX XXXX XXXX has failed to provide proper documentation proving their legal authority to collect on this account or that the debt is valid. 
2. Unverified Information : The reported information, including the balance, account history, and creditor name, is incomplete and unverifiable. 
3. Potential Fraud : I believe this account may involve fraudulent activity. I am including a **police report** to document the potential fraud and further support my dispute. 
My Requests I demand that Experian take the following actions : 1. Reinvestigate this account and contact XXXX XXXX XXXX to obtain all necessary documentation validating the accuracy and ownership of this account. 
2. Provide me with the results of your investigation in writing, along with a copy of any documentation used to verify the account. 
3. Delete this account permanently from my credit report if it can not be validated or is found to be inaccurate or fraudulent. 
4. Ensure compliance with all relevant provisions of the FCRA. 
Supporting Documentation To assist with your investigation, I have included the following : - A copy of my **police report** documenting potential fraudulent activity. 
Notice of Escalation If this matter is not resolved within **30 days**, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I will file a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC ) **, and other regulatory agencies. I will also explore legal remedies under the FCRA to enforce my rights. 
Please treat this dispute as urgent and ensure all investigations are thorough and compliant with federal law. 
Thank you for your attention to this matter. I look forward to receiving your written confirmation of the investigation and its results. 
Sincerely, social Security XXXX XXXX XXXX phone number ; XXXX Enclosures : Police Report

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