Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and eliminate them from my report. I am aware that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please remove the information from my report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter.

I. Applicable Laws and Legal Requirements 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( FCRA 611 ) Reinvestigation of Disputed Information Credit reporting agencies ( ExperianXXXX XXXX XXXX ) must conduct a reasonable reinvestigation within 30 days of receiving a dispute. 
They must forward all relevant evidence to the furnisher and delete or correct any information that can not be verified. 
If the furnisher can not produce documented proof, including a signed agreement or complete account records, the item must be removed. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ) Duty to Report Accurate Information Furnishers may not report information they know or have reasonable cause to believe is inaccurate. 
Continuing to report unverifiable data is a direct violation.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) - ( E ) Duties of Furnishers Upon Notice of Dispute Upon receiving notice from a CRA, the furnisher must : Conduct a reasonable investigation.

Review all relevant information supplied by the CRA.

Report results to all CRAs.

Delete or modify data that can not be verified.

Notify all CRAs of any corrections.

15 U.S.C. 1681g ( FCRA 609 ) Disclosures to Consumers CRAs must disclose all information in your file, including the source of each item, enabling the consumer to demand original supporting documentation from the furnisher. 
2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) Validation of Debts When a debt is disputed in writing, the collector must cease all collection and reporting until the debt is validated. 
Validation requires competent evidence such as : The name and address of the original creditor. 
A copy of the original signed contract or credit application ( wet ink or legally valid electronic signature ).

Complete itemized statements showing how the balance was calculated.

Proof of ownership or assignment if the debt was transferred or sold.

For electronic accounts, IP address, device ID, and timestamp logs showing consumer authorization. 15 U.S.C. 1692e ( 8 ) False or Misleading Representations Reporting unverifiable or inaccurate information to a credit bureau constitutes a false representation in violation of the FDCPA. 
3. Electronic Signatures in Global and National Commerce Act ( E-Sign Act, 15 U.S.C. 7001 et seq. ) If a creditor claims the account was electronically signed, they must maintain full evidentiary records proving : Intent to sign ( affirmative consent ).

Attribution ( proof that the electronic signature is yours, including IP address, timestamp, and device metadata ).

Integrity of the record, ensuring it has not been altered.

Failure to provide this evidence renders the alleged digital contract unenforceable.

II. Evidence Required to Validate the Account Pursuant to the above laws, you are required to furnish the following documents for proper verification : Original signed contract or application ( wet ink or e-signature ).

Proof of ownership or right to collect the debt.

Full account history ( itemized billing statements, payment history, charge-off details ).

Date of default and the amount owed.

For electronic signatures : IP address, timestamp, device ID, and session data.

Documentation of investigation results under FCRA 623 ( b ).

Source of information reported to the credit bureaus ( FCRA 609 ). 
If you can not produce this documentation, the law requires the immediate deletion of the unverifiable account from all consumer credit reports under FCRA 611 ( a ) ( 5 ) ( A ).

III. Violations and Remedies Failure to comply with these statutory obligations constitutes violations of : FCRA 611, 623, and 609 FDCPA 809 ( b ) and 807 ( 8 ) E-Sign Act 7001 ( c ) Each continued report of unverifiable information is a willful violation under 15 U.S.C. 1681n and a negligent violation under 1681o, subjecting the responsible parties to : Actual damages, Statutory damages, Court costs, and Attorneys fees. Please send an updated copy of my credit report to the address provided above. According to the act, I am not to be charged for this updated report. Furthermore, I kindly request that you notify any parties who have received my credit report within the last six months of any corrections made. 
Thank you for your attention and assistance regarding this matter. 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