Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
YOU DID NOT REPLY TO MY XX/XX/XXXX WRITTEN REQUEST WITHIN 30 DAYS. THAT IS ILLEGAL.SEE ATTACHEMENTS. YOU CAN'T LIE AND SAY YOU NEED MY ID, DL AND SSN ENCLOSED! 

URGENT Formal Dispute and Demand for Verification & Immediate Deletion XXXX XXXXXXXX XXXX Account ENCLOSURES : Documentation from XXXX XXXX XXXX dated XX/XX/XXXX, stating the alleged debt is not mineProof that Experian failed to respond to my certified dispute letter dated XX/XX/XXXX, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Because Experian failed to respond to my certified dispute within the legally required 30-day window, this entry must be immediately removed from my credit file. This non-response is a direct violation of federal consumer protection laws under FCRA 611 ( 15 U.S.C. 1681i ). Any continued reporting of this unverified debt is unlawful.

This letter is a formal dispute regarding an account currently appearing on my credit report, identified as being owned or reported by XXXX XXXX XXXX, XXXX. The account in question ends in \ [ XXXX XXXX XXXX ]. 
This entry is disputed in full, and I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I demand the credit bureau take the following actions and provide supporting documentation or delete the account entirely.

DEMANDS 1. Demonstrate the Full Chain of Title to the Account I demand that you obtain and provide proof from XXXX XXXX XXXX showing the entire chain of title to the alleged debt, from the original creditor to every debt buyer or third-party assignee. This includes all contracts or purchase agreements documenting each transfer of ownership. 
If XXXX XXXX can not show an unbroken legal chain of assignment, they are not the rightful owner, and the debt must be removed.

2. Produce All Account Statements to Validate the Account Balance Provide all original monthly account statements from the time the account was opened until the final alleged balance. This is required to validate that : * The balance reported is accurate * No unauthorized charges or errors are present * All interest, fees, or penalties were lawfully applied Without these statements, the amount is unverified and unverifiable, and under the FCRA, it must be immediately deleted.

3. Address Potential Inaccuracies or Unauthorized Charges As the consumer, I am asserting a material dispute regarding the origin and balance of this debt. Based on my records and past communications, I may have been subjected to unauthorized charges or billing errors by the original creditor, which were never resolved.

This includes, but is not limited to : * Duplicate charges * Improper late fees * Charges made after the account was closed or settled * Fees not permitted under the original contract Without full documentation of charges and legal proof that the debt is accurate, this account is false, misleading, and must be removed.

LEGAL REMINDERUnder the FCRA, if a credit bureau can not fully verify the accuracy, completeness, and legal standing of an account within 30 days, the disputed information must be deleted from the credit report. 
Failure to comply will result in formal complaints filed with : * The Consumer Financial Protection Bureau ( CFPB ) * The Federal Trade Commission ( FTC ) * The Pennsylvania Attorney Generals Office * Civil litigation, if necessary Enclosures : * XXXX XXXX statement dated XX/XX/XXXX ( debt not mine ) YOUR LAST RESPONSE OF MAYBE WE DID, MAYBE DIDN'T REMOVE YOUR DEBT BROKE THE FOLLOWING LAWS... DOES THE CFBP NEED TO SUE YOU FOR MILLIONS AGAIN???????????????????? : Certainly. Heres a direct message addressed * * to Experian * *, citing the relevant laws and clearly stating the violations in a formal tone : Your response to my dispute, submitted via the CFPB on XX/XX/XXXX, constitutes potential violations of multiple provisions of the Fair Credit Reporting Act ( FCRA ), specifically : -- - # # # 1. * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * * Failure to Conduct a Reasonable Reinvestigation * Your response indicates that you merely relied on a general verification from the furnisher without conducting a meaningful or independent reinvestigation of the facts I submitted. This fails to meet your statutory obligation to conduct a * * reasonable reinvestigation * * and to consider * * all relevant information provided by the consumer * *.

-- - # # # 2. * * 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) * * * Failure to Forward All Relevant Information to the Furnisher * The FCRA requires you to forward * * all relevant information * * regarding the dispute to the furnisher within 5 business days. Your vague response does not confirm that this was done, and CFPB enforcement actions have documented a pattern of Experian forwarding * * incomplete or misleading dispute summaries * *, which constitutes a violation of this section.

-- - # # # 3. * * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) * * * Failure to Remove or Correct Unverified or Inaccurate Information * You are required to delete or modify information that is inaccurate, incomplete, or * * can not be verified * *. Your reply failed to disclose whether any part of the information was unverified and provided no confirmation that any corrective action was taken, which is inconsistent with your legal duties.

-- - # # # 4. * * 15 U.S.C. 1681i ( a ) ( 6 ) * * * Failure to Provide Clear Notice of Investigation Results * You failed to provide a clear, direct notice of the outcome of the reinvestigation, including whether the account in question was deleted, modified, or retained. A vague and ambiguous summary is not compliant with this section of the FCRA, which requires * * precise, written results * * to be furnished to the consumer.

-- - # # # 5. * * Willful and Negligent Noncompliance 15 U.S.C. 1681n & 1681o * * If your actions or omissions were found to be willful or negligent, you may be liable for damages under * * 1681n ( willful noncompliance ) * * and * * 1681o ( negligent noncompliance ) * * of the FCRA. The CFPB has already taken action against Experian for systemic failures to comply with these laws, particularly in relation to " sham investigations. '' -- - # # # Demand for Immediate Action : I demand the following within 10 days of this notice : 1. A clear, unambiguous written statement confirming whether the disputed item has been removed or modified.2. A copy of all documentation received from the furnisher, including any statements used to " verify '' the item.3. Confirmation that all documents I submitted were forwarded in full to the furnisher, as required by 1681i ( a ) ( 2 ) ( A ) .4. If the information can not be fully verified, remove it from my credit report immediately as required by 1681i ( a ) ( 5 ) ( A ).

Failure to comply will result in the escalation of this matter, including a renewed CFPB complaint, legal consultation, and formal request for statutory damages under 15 U.S.C. 1681n and 1681o.

___________________ DEMANDS 1. Demonstrate the Full Chain of Title to the Account I demand that you obtain and provide proof from XXXX XXXX XXXX showing the entire chain of title to the alleged debt, from the original creditor to every debt buyer or third-party assignee. This includes all contracts or purchase agreements documenting each transfer of ownership. 
If XXXX XXXX can not show an unbroken legal chain of assignment, they are not the rightful owner, and the debt must be removed.

2. Produce All Account Statements to Validate the Account Balance Provide all original monthly account statements from the time the account was opened until the final alleged balance. This is required to validate that : * The balance reported is accurate * No unauthorized charges or errors are present * All interest, fees, or penalties were lawfully applied Without these statements, the amount is unverified and unverifiable, and under the FCRA, it must be immediately deleted.

3. Address Potential Inaccuracies or Unauthorized Charges As the consumer, I am asserting a material dispute regarding the origin and balance of this debt. Based on my records and past communications, I may have been subjected to unauthorized charges or billing errors by the original creditor, which were never resolved.

This includes, but is not limited to : * Duplicate charges * Improper late fees * Charges made after the account was closed or settled * Fees not permitted under the original contract Without full documentation of charges and legal proof that the debt is accurate, this account is false, misleading, and must be removed.

LEGAL REMINDERUnder the FCRA, if a credit bureau can not fully verify the accuracy, completeness, and legal standing of an account within 30 days, the disputed information must be deleted from the credit report.

Failure to comply will result in formal complaints filed with : * The Consumer Financial Protection Bureau ( CFPB ) * The Federal Trade Commission ( FTC ) * The Pennsylvania Attorney Generals Office * Civil litigation, if necessary Enclosures : * XXXX XXXX  statement dated XX/XX/XXXX ( debt not mine ) REGARDING YOUR ILLEGAL MAYBE WE WILL, MAYBE WE WONT : # # # Demand for Immediate Action : I demand the following within 10 days of this notice : 1. A clear, unambiguous written statement confirming whether the disputed item has been removed or modified.2. A copy of all documentation received from the furnisher, including any statements used to " verify '' the item.3. Confirmation that all documents I submitted were forwarded in full to the furnisher, as required by 1681i ( a ) ( 2 ) ( A ) .4. If the information can not be fully verified, remove it from my credit report immediately as required by 1681i ( a ) ( 5 ) ( A ).

Failure to comply will result in the escalation of this matter, including a renewed CFPB complaint, legal consultation, and formal request for statutory damages under 15 U.S.C. 1681n and 1681o.

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