Consumer complaint received 2025-06-07 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: AR

Complaint narrative:
Complaint Summary : I am filing this complaint against Experian for failing to properly investigate and validate a collection account, despite my repeated formal disputes and requests for debt validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Dispute Account in Question : Creditor : The Bureaus Inc Original Creditor : XXXX XXXX Bank XXXX, XXXX. 

Account Type : Collection Date Opened : XX/XX/year> Consistently reported as a collection, yet has a balance and date of last active is incorrect, which is a violation of law. 

Action Taken : I sent Experian a formal written request for debt validation, as permitted under the FDCPA ( 15 U.S.C. 1692g ), asking for : Verification of the debt, including the original contract or agreement Documentation showing I am responsible for the debt A detailed account of how the balance was calculated Experian responded that the debt meets the requirements but did not provide any documentation, details of their investigation, or the information I specifically requested, which is required by law. 

Additional Context : I have also requested debt validation from the alleged collection agency, but they have not provided any documentation or proof of the debt. 

Equifax has recently removed this collection item from my credit report after my dispute because of the inaccuracies, but Experian continues to report it without proper validation. 

Relevant Laws and Violations FCRA ( 15 U.S.C. 1681i ( a ) ) : Experian is required to conduct a reasonable reinvestigation of any disputed item and provide the consumer with the results, including the method of verification and the information relied upon if requested. 

FCRA ( 15 U.S.C. 1681e ( b ) ) : Experian must follow reasonable procedures to assure maximum possible accuracy of the information reported.

FDCPA ( 15 U.S.C. 1692g ) : Upon request, the debt collector ( and by extension, the credit bureau when acting on their behalf ) must provide the consumer with validation of the debt, including supporting documentation. 

Nature of the Complaint Experian failed to provide documentation or details of the validation process, as required by the FCRA and FDCPA. 

Experian continues to report the collection account without validating the debt or providing the requested information. 

This lack of transparency and failure to properly investigate and validate the debt is a violation of my rights under federal law. 

Requested XXXXesolution Immediate deletion of the disputed collection account from my Experian credit file, just as Equifax deleted it for being inaccurate.

A full explanation of the investigation process, including the method of verification and all documentation relied upon.

Assurance that Experian will comply with FCRA and FDCPA requirements in future disputes. 

Supporting Documentation See prior complaints submitted by me through CFPB. 

Conclusion Experian nor The Bureaus has fulfilled its legal obligations under the FCRA and FDCPA to validate the debt and provide required documentation. I respectfully request the CFPB to investigate this matter and require Experian to remove the unvalidated collection account from my credit report. 

Thank you for your attention to this complaint.

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