Consumer complaint received 2025-04-04 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: NC

Complaint narrative:
Name : XXXX XXXX Phone : [ XXXX ] Email : [ XXXX ] Accounts with Experian I disputed : XXXXXXXX XXXX XXXX Charge off : XXXX XXXX I disputed : XXXX - Credit Bureau Name : [ Experian ] - Debt Collector Name XXXX XXXX XXXX -Original Creditor : XXXX XXXX XXXX : Credit Bureau Failed to Verify Debt Properly I submitted a dispute to Experian regarding an alleged collection account reported by XXXX XXXX and XXXX XXXX. The credit bureau failed to conduct a proper investigation and simply stated the account was " verified '' without providing the required details on how it was verified, This violates my rights under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ). Heres why this account must be deleted immediately : 1. Failure to Provide Method of Verification - Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) I have a right to receive a detailed explanation of how this account was verified. The credit bureau failed to provide : - The name and contact information of the entity that verified the account - The method used to verify the accuracy of the information - Copies of any documentation relied upon to validate the account- Without proper verification, this account must be deleted. 2. No Legal Standing to Report This Debt XXXX  XXXX Charging it off without providing me a 1099C raising concerns of the validity and lack of verification proving the account accuracy, including ownership of after charge-off. If no records exist, this account must be deleted immediately. - XXXX XXXX sold this debt, which means they no longer have the right to report it. - XXXX XXXX XXXX must prove ownership and permissible purpose under 15 U.S.C. 1681b ( a ) ( 2 ). No such proof has been provided. - This means the credit bureau is knowingly allowing false and misleading information to be reported in violation of 15 U.S.C. 1681e ( b ). 3. Violation of My Right to Do Business in Commerce - Under 15 U.S.C. 1692e, false or misleading credit reporting damages my ability to participate in commerce and affects my pursuit of happiness. - The only recognized credit bureau under 15 U.S.C. 1692a is the Consumer Financial Protection Bureau ( CFPB ), meaning XXXX, XXXX, and Experian are private corporations acting as credit reporting agencies. Their failure to verify this account is damaging my financial standing. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! SHAM PRACTICES, Experian has not attempted to remove, nor correct any information. Gramm-Leach-Bliley Act ( GLBA ) : This act requires financial institutions to protect the privacy of consumer information. I'm requesting the derogatory remark be removed and the deletion of accounts off my credit report or updated to paid as agreed showing a XXXX balance or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws. 
Further more, Identity Theft and Assumption Deterrence Act ( ITADA ) : This act addresses identity theft and outlines the rights of victims. My information has been breached in XXXX data breach engagement number XXXX. FTC report number is 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