Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint in reference to an account reported on my consumer credit reports by XXXX XXXX XXXX, referencing an original creditor named XXXX on University. This account, opened on XX/XX/scrub> 2023, is listed as a collection account in the amount of {$3500.00}. 

Despite initiating a formal dispute through Experian, the item remains on my credit report without correction. Experians final status update stated the dispute was processed and the item was verified. However, the furnisher failed to provide meaningful verification or itemization of the debt, which is required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ).

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 3 ), XXXX XXXX XXXX XXXX XXXX to mark this debt as disputed to the credit bureau while the matter was under review. At no point during this process was the disputed notation maintained appropriately in subsequent reports, which is a violation supported by XXXX XXXX XXXX XXXX and XXXX XXXX 

Additionally, the lack of response to my validation request from XXXX XXXX XXXX violates 15 U.S.C. 1692g ( b ) of the FDCPA, which mandates a cease in collection efforts until debt validation is provided. 

This inaccurate, incomplete, and unverifiable reporting has caused me credit denials and emotional distress. I request the immediate deletion of this item from all consumer reporting agencies and corrective action against the furnisher and bureau involved. 

This complaint concerns a collection account reported by XXXX XXXX XXXX XXXX on my TransUnion credit file, referencing the original creditor as XXXX on University. The account was opened on XX/XX/scrub> 2023, with a balance of {$3500.00}. 

I submitted a formal dispute to TransUnion concerning this item, citing that the account was inaccurate, unverifiable, and not properly validated. However, the account remains unchanged, and TransUnion failed to provide me with the method of verification or supporting documents, contrary to the requirements under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ) and XXXX v. Trans Union Corp. 

Moreover, XXXX XXXX XXXX failed to comply with 15 U.S.C. 1681s-2 ( a ) ( 3 ) by not reporting the item as disputed after receiving my challenge. The reinstatement of the account without dispute status and without resolution is unlawful and misrepresents the status of the debt.

The furnisher also failed to comply with the validation procedures under 15 U.S.C. 1692g by not producing the requested documentation substantiating the debt. This constitutes a continued collection effort on a disputed debt, which is prohibited under the FDCPA.

This inaccurate item has negatively impacted my credit score and ability to secure housing and credit. I request immediate deletion and regulatory review of both the data furnisher and the credit bureau for non-compliance.

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