Consumer complaint received 2025-03-12 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: NV

Complaint narrative:
I am writing to formally dispute several inaccuracies and unverified accounts on my credit report, as protected under the Fair Credit Reporting Act ( FCRA ) and Nevada Revised Statutes ( NRS ) Chapter 649. Despite previous disputes, the reporting agencies have failed to provide the method or proof of verification for these accounts. Additionally, there are incorrect name spellings and addresses on my report. I am seeking the immediate correction of these inaccuracies and a statutory remedy of {$1000.00} per incorrect item due to non-compliance. 

Disputed Accounts XXXX XXXX ( Account # : XXXX ) Issue : Reported as a charge-off with a balance of {$9100.00}. 
Concerns : Under 15 U.S.C. 1681i, I requested validation of debt and method used, but Experian, Equifax and Transunion have not provided substantive evidence that this account belongs to me. 
If the creditor can not supply proof of signed contracts, transaction records, and validation of the amount, this account must be deleted immediately. 
Additional Note : According to IRS regulations, a charge-off is considered cancellation of debt income and should not continue to be reported as an outstanding debt. 

XXXX XXXX XXXX ( Account # : XXXX ) Issue : XXXX account for {$350.00} remains on my report despite prior disputes. 
Concerns : No proper validation has been provided as required by the FCRA. 
This account should be removed immediately for lack of verification. 
Licensing Verification : Please confirm that XXXX XXXX XXXX is licensed to operate in Nevada, as required by XXXX XXXX. 

Achieve Personal Loans ( Account # : XXXX ) Issue : Reported as charged-off for {$23000.00} but lacks debt validation. 
Concerns : No original creditor agreement or signed documentation has been produced. 
This item should be deleted immediately due to failure to provide legally required documentation. 
Additional Note : As with the XXXX XXXX account, this charge-off should be considered cancellation of debt income and not reported as an outstanding debt. 
XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX ) Issue : The collection agency claims to have verified this account but failed to provide any method or proof of verification. 
Concerns : The burden of proof falls on the data furnisher, and their failure to produce verifiable proof mandates removal. 
Licensing Verification : Please confirm that XXXX XXXX XXXX XXXX XXXX is licensed to operate in Nevada, as required by XXXX XXXX. 

Incorrect Personal Information My credit report contains inaccurate name spellings and addresses that must be corrected immediately : Incorrect Addresses Listed : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX These inaccuracies violate the FCRA and CFPB regulations, as outdated and incorrect personal information can result in identity verification errors and adverse credit impacts.

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