Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Formal DisputeCollection Accounts ; Validation and Verification Demands ; Reinsertion Violation To Whom It May Concern, I'm writing to formally dispute and demand full validation for the collection accounts listed below that appear on my credit report. The details being reported are inaccurate, misleading, incomplete, and unverified. Youre publishing negative information thats damaging my credit, my financial reputation, and my ability to secure fair credit. I'm demanding that you immediately reinvestigate these accounts. If you cant provide hard documentary evidence to support every single detail, you must delete the tradelineno exceptions. I've already raised this matter with the Consumer Financial Protection Bureau ( CFPB ) and the Virginia State Attorney General, XXXX XXXX. ACCOUNT 1 DISPUTED Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Balance : {$2800.00} Original Balance : {$2800.00} Original Creditor : XXXX / XXXX Date Opened : XX/XX/XXXXXXXX Balance Updated : XX/XX/XXXXXXXX Account Type : Debt Buyer Responsibility : Individual Payment History : Collection account, {$2800.00} past due as of XX/XX/XXXXXXXX Furnisher : XXXX XXXX XXXX Furnisher Phone : XXXX Furnisher Address : XXXX XXXX XXXX, XXXX, SC XXXX ACCOUNT XXXX DISPUTED Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Balance : {$660.00} Original Balance : {$660.00} Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. Date Opened : XX/XX/XXXXXXXX Balance Updated : XX/XX/XXXXXXXX Account Type : Debt Buyer Responsibility : Individual Payment History : Collection account, {$660.00} past due as of XX/XX/XXXXXXXX Furnisher : XXXX XXXX XXXX Furnisher Phone : XXXX Furnisher Address : XXXX XXXX XXXX, XXXX, SC XXXX Heres why I dispute these accounts : - XXXX XXXX XXXX hasnt provided a single contract or agreement with my signature showing I owe them anything.- Theres no proof at allno chain of assignment or transferlinking these debts from the original creditors to XXXX XXXX XXXX- You havent sent me any complete billing history for either account.- Theres nothing showing how you came up with the balances of {$2800.00} or $ XXXX- I havent seen any evidence of the actual Date of First Delinquency for these accounts.- The documentation youre using doesnt come close to the federal standard for maximum possible accuracy.- Youre reporting these as collections, but youve never validated and proven these debts are legally mine and legally collectible.- If these accounts were verified with just an automated system, thats not good enoughreal documents are required under law.- The first account was deleted and then reinserted. If you reinserted it without proper notice and following the law, thats a separate, serious violation. Relevant Consumer Laws : FDCPA 809 ( b ) : Debt must be validated when disputed. FDCPA 807 ( 8 ) : No false or misleading credit reporting. FCRA 611 ( a ) ( 1 ) ( A ) : Disputed info needs a real reinvestigation. FCRA 611 ( a ) ( 2 ) : Dispute must be communicated to the furnisher. FCRA 611 ( a ) ( 5 ) ( A ) : Unverifiable info must be removed. FCRA 611 ( a ) ( 5 ) ( B ) : Rules for reinserting deleted info must be strictly followed. FCRA 611 ( a ) ( 5 ) ( C ) : You have to notify me if deleted info comes back. FCRA 611 ( a ) ( 7 ) : You must tell me the exact method and source of verification if I request it, and I am. FCRA 623 ( a ) ( 1 ) ( A ) : No reporting info you know, or should know, is wrong. FCRA 623 ( a ) ( 3 ) : Must be marked disputed by consumer. FCRA 1681e ( b ) : You must report with maximum possible accuracy. FCRA 616617 and FDCPA 813 : You can be liable for willful or negligent noncompliance. Reinsertion ViolationAccount 1 : XXXX XXXX XXXX ( XXXX / XXXX ) was removed from my credit file, then reappeared. If it came back without full certification, a lawful reinvestigation, and written notice to me, then this is unlawful and you must remove it now. I want the following for the reinserted account : 1. The date you deleted it 2. The date you put it back 3. The certification of accuracy used for the reinsertion 4. Who certified it and their details 5. Proof you sent me the required notice If you cant provide all this, delete the account immediately. Full Validation Demand For each account, provide : 1. The original signed application, contract, or agreement from the original creditor 2. Complete statements and billing history from the original creditor 3. Full breakdown of the alleged balancesshow me every charge, fee, and adjustment 4. Documented Date of First Delinquency 5. Chain of titleshow how XXXX XXXX XXXX got these alleged debts 6. Evidence that XXXX XXXX XXXX can legally collect or report these debts 7. Proof they had a legal reason to furnish or access my credit data 8. The Metro 2 data fields used when furnishing 9. Written proof each account is marked disputed by consumer Method of Verification Demand Under FCRA 611 ( a ) ( 7 ), give me your exact Method of Verification for both accounts, including : 1. Name, title, department, and employer of the person who did the verification 2. Date and time of each verification 3. Whether you did it manually or just through automation 4. A list of what you actually reviewed 5. Copies of all documents used to confirm the account6. e-OSCAR codes you used ( if any ) 7. All Metro 2 data from the furnisher 8. Internal notes, audit trails, or logs showing your exact process Just saying you verified the accounts is not enoughyou must supply the hard details and real proof. Required Action Heres what I want : - Immediate reinvestigation of both accounts- Full written validation and your exact Method of Verification for each- Removal of these accounts from all credit reporting agencies if you cant support every detail with proper documentation- Written confirmation each account is marked disputed by consumer during this process- Immediate deletion of the first account if you cant prove proper reinsertion- Remove both accounts within four business days If you cant provide this documentation, you have to delete the accounts under FCRA 611 ( a ) ( 5 ) ( A ). Notice of Liability If you dont remove these accounts within four business days, Ill take legal action. I will bring claims for inaccurate reporting, failing to complete a proper reinvestigation, failing to provide Method of Verification, illegal reinsertion, and for continuing to report unverifiable items. Reporting inaccurate, incomplete, unverifiable, or unlawfully reinserted accounts could mean you willfully or negligently violated the law. That exposes you to real liability under FCRA 616617 and FDCPA 813. Final Demand I want full validation or deletionnothing less. Youve got four business days from the day you get this letter to remove these accounts or I will sue. Only respond in writing. If you cant provide complete lawful verification, full Method of Verification, and ironclad proof you followed the reinsertion rules for Account 1, delete these accounts right away. 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