Consumer complaint received 2024-12-06 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: IL

Complaint narrative:
I am filing this complaint against Experian for failing to remove two unvalidated debts from my credit report, despite clear evidence that these debts were not properly validated by the collection agency XXXX XXXX XXXX XXXX. Additionally, I have already filed a related complaint with the Federal Trade Commission ( FTC ) under report number XXXX. 
XXXX actions constitute a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ( a ) ), which requires credit reporting agencies to delete unverifiable, inaccurate, or incomplete information from consumer credit reports. 
Details of the Complaint Unvalidated Debts on My Credit Report : The debts in question are tied to XXXX XXXX XXXXXXXX with the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$4400.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$4900.00} ) These accounts were previously managed by XXXX XXXX XXXX XXXX, which failed to validate them upon my formal request as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 
Actions Taken with XXXX XXXX XXXX XXXX : On XX/XX/scrub>XXXX XXXX XXXX I sent a certified letter to XXXX XXXX XXXX XXXX requesting validation of the debts. 
On XXXX XXXX XXXX  XXXX XXXX responded, admitting they could not validate the debts because the accounts were no longer assigned to them. 
FTC Complaint Filed : I have reported this matter to the FTC under case number XXXX, detailing how Experian allowed these unverifiable accounts to remain on my credit report despite XXXX XXXX failure to validate them. 
Experians Failure to Act : Despite clear evidence that these debts were not validated, Experian has allowed these accounts to remain on my credit report. This constitutes a violation of the FCRA ( 15 U.S.C. 1681i ( a ) ), which mandates the removal of unverifiable information.

Negative Impact on My Creditworthiness : The continued presence of these unvalidated debts on my Experian credit report has caused ongoing harm to my credit score, affecting my ability to obtain credit under fair terms. 
Relevant Legal Arguments FDCPA ( 15 U.S.C. 1692g ) : Debt collectors are required to validate debts upon a consumers request. XXXX XXXX failed to fulfill this obligation, rendering the debts invalid. 
FCRA ( 15 U.S.C. 1681i ( a ) ) : Credit reporting agencies are required to remove unverifiable, inaccurate, or incomplete information from consumer credit reports. Experian has failed to comply with this requirement. 
Continuous Dispute Rights : When a debt is transferred to a new collector, that collector must validate the debt before attempting to collect or report it. XXXX XXXX failure to validate these debts while managing them renders them invalid and unreportable. 
Experian has failed to comply with its legal obligations under the FCRA by allowing unvalidated debts to remain on my credit report. This negligence has caused harm to my creditworthiness and financial well-being. I request immediate action to ensure these accounts are removed from my credit report and that Experian is held accountable for its noncompliance. 

Sincerely, 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