Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I reached out to this company XXXX in reference to a XXXX XXXX listed on my credit report. I asked for documentation related to the charge off and the representative for the company simply stopped responding to my requests. 

I previously disputed this account as inaccurate with all three credit bureaus and they claim it was " validated '', but the company has not provided me with the documentation of the charge-off and the " validation '' information sent to me does not match the information reported to the credit reporting agencies. 



Please see email chain below with representative of XXXX RE : Request for Verification of Alleged Debt Account Number XXXX XXXX XXXX XXXX XXXX Hello XXXX, XXXX have filed consumer dispute with the credit reporting agencies and we are responding with what they have asked us for. 



We have a department that does that directly with the credit reporting agencies once you file the dispute. 



We just received the XXXX on XX/XX/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 XXXX XXXX Subject : RE : Request for Verification of Alleged Debt Account Number XXXX Thank you for your response regarding the validation of the alleged commercial debt associated with account number XXXX. However, I noticed that your validation did not include any documentation or explanation of the charge-off status reported on my credit file.

Under my rights granted by the Fair Credit Reporting Act ( FCRA 623 ), I am requesting the following : Official documentation showing the charge-off date and reason.

A copy of all communications regarding the charge-off, including notices sent to me.

Proof that the charge-off was accurately reported to the credit bureaus.

If this information can not be provided, I request that the charge-off be immediately removed from my credit report due to lack of verification. Please respond in writing within 30 days, as required by federal law. 



Respectfully, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX wrote : Good morning XXXX. 



Just to clarify, this is not a consumer debt. 



This is a XXXX debt with a XXXX XXXX. 



I have attached a copy of the noncancelable commercial lease agreement with personal guarantor, the equipment acceptance form, the electronic signature XXXX XXXX and a copy of the payment history. 



The last payment that cleared in this lease is {$570.00} 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 XXXX XXXX XXXX Subject : Request for Verification of Alleged Debt Account Number XXXX Good Morning XXXX, I recently XXXX a charged-off account reported by your company on my credit file under account number XXXX. I am formally requesting full verification of this alleged debt under the Fair Credit Reporting Act ( FCRA XXXX ) to ensure its accuracy. 



Please provide the following : A signed agreement or contract proving my liability for this debt. 
A detailed account history with a breakdown of the principal, interest, fees, and payments. 
Proof of charge-off details, including the date of delinquency and when it was reported to the credit bureaus. 
Until you provide proper verification, I dispute the accuracy of this debt and request that you pause all collection activity and remove this charge-off from my credit report if it can not be substantiated. 



Please respond in writing within 30 days of receipt of this request. 



Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
COMMERCIAL LEASE XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Good afternoon XXXX, I was forwarded your chat inquiry. 

I can be reached at XXXX EXT XXXX. 

Please call me so I can try to assist you on this defaulted lease. 

I am here until XXXX XXXX EST today. 

We are contacting you today about the obligations you have under the XXXX you signed with XXXX. It is a non-cancellable XXXX. Regardless of vendor issues, or equipment issues, you are obligated to make the monthly payment. Prior to commencing the lease, we confirmed you understood the terms and conditions of the lease. You signed the XXXX as a personal guarantor. In doing so, you agreed to personally guarantee all payments would be made. Whether you are still associated with the business or not, you are obligated to make the lease payments. The financial responsibility exists for you, regardless of the status of the business or the equipment. AS REQUIRED BY LAW YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING ON YOUR CREDIT RECORD XXXX BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS. Please contact us today so we can discuss your options and find a resolution that works for you. 

Regards, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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