Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
Continued Dispute of Alleged Debt and Formal Request for Investigation Case # XXXX XX/XX/XXXX To Whom It May Concern, I am writing in response to the reply received from XXXX XXXX XXXX XXXX XXXXegarding my Consumer Financial Protection Bureau complaint dated XX/XX/XXXX, under Case # XXXX. 

XXXX XXXX 's response fails to resolve the issues outlined in my original complaint and raises additional concerns about the accuracy, completeness, and legality of their credit reporting practices and debt collection activities. I am formally reiterating my dispute of this account and requesting further investigation and correction for the following reasons : 1. Failure to Provide Legally Sufficient Validation XXXX XXXX claims that documentary information was mailed to me on XX/XX/XXXX. However : - I did not receive any original signed agreement ( with a wet signature ) as required under 15 U.S.C. 1692g ( b ).

- XXXX  account statements or transaction summaries do not satisfy the legal definition of debt validation under the FDCPA or the requirements under the FCRA for verifying disputed information. 

2. Inconsistent Reporting & Conflicting Statuses NXXXX XXXX has admitted that the account was : - Transferred to XXXX. XXXX XXXX XXXX XXXX XXXX. 
- Then recalled and resumed by XXXX XXXX This transfer and recall activity should have resulted in accurate, updated credit reporting. However, my credit reports continue to show conflicting statuses, including : - Charge-off - Collections - Past due An account can not simultaneously be in all three statuses. This violates 15 U.S.C. 1681e ( b ), which requires that information be reported with maximum possible accuracy and not be misleading. 

3. Dispute Not Properly Notated or Investigated Despite notifying XXXX XXXX and the credit bureaus of my dispute, the account remains on my credit file without any notation that it is under dispute, which is a direct violation of 15 U.S.C. 1681i ( c ).

4. Failure to Acknowledge Third-Party Collector Closure XXXX. XXXX closed this account and stated I would receive no further communication from them. That strongly suggests a lack of validation or authority to collect, and yet XXXX XXXX resumed collection without providing lawful basis or new verification. 

5. No IRS 1099-C = No Legal Write-Off Confirmation If the account was truly charged off in XXXX, then XXXXXXXX XXXX own acknowledgment that no 1099-C was issued further complicates the legal status of this debt, and whether its collectible or should still appear on my credit file. 

Formal Requests ( Reiterated ) : 1. Provide a copy of the original signed agreement bearing my wet signature.

2. Remove any derogatory or inaccurate credit reporting if validation can not be lawfully produced.

3. Correct all conflicting account statuses on my credit file across all bureaus.

4. Notate the account as disputed with all credit bureaus, as required by law.

5. Cease any further collection activity until these requirements are fully met.

I reserve my right to take further legal action and seek damages under the FCRA and FDCPA for continued violations and non-compliance. 

Thank you for your attention to this matter. Please confirm receipt of this communication and notify me of the next steps in the investigative process. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Last 4 of SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/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