Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
I disputed the following 4 times with US certified mail I also requested the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline. Never received this information. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$470.00}. The original creditor is XXXX XXXX XXXX 
I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information.I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$330.00}. The original creditor is XXXX XXXX XXXX XXXX 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$2400.00}. The original creditor is XXXX XXXX XXXX.. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$2900.00}. The original creditor is XXXXXXXX XXXX 
I previously disputed the following accounts with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX  XXXX with account # XXXX and a balance of {$3700.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

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