Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Tx, XXXX Subject : Dispute and Request for Investigation of Collection Account To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ), I am disputing a collection account that currently appears on my credit report.

I do not recognize this account and believe it has been reported without proper authorization or verification. Accordingly, I request an immediate investigation and, if appropriate, the removal of this account from my credit file in compliance with federal law. 
Important Notice : I have already exercised my rights under the FDCPA by sending a written validation request directly to the debt collector regarding this account. A copy of that letter is attached for your review. To date, I have not received proper validation of this debt. Therefore, maintaining this account on my credit report without supporting documentation may constitute a violation of the FCRA and FDCPA. 
Legal Basis : As highlighted in XXXX v. Carrington Mortgage Services ( 2019 ), furnishers of information are required to conduct a reasonable and accurate investigation once a consumer dispute is raised. Failure to do so may result in a violation of the FCRA. Under Section 623 of the FCRA, furnishers are obligated to report only accurate and verifiable information.

Furthermore, Section 807 of the FDCPA prohibits debt collectors from using false or misleading representations in connection with the collection of a debt.

Requested Documentation for Validation : 1. Proof of responsibility A signed contract or original agreement confirming my obligation to pay.

2. Breakdown of charges A detailed itemization of fees, interest, and payments applied to the account.

3. Details of the debts transfer The name of the entity that acquired the debt, the date of transfer, and the balance at that time.

4. Proof of authority Legal documentation confirming the reporting entitys authorization to collect or furnish this debt.

If this account can not be fully validated in compliance with the FCRA and FDCPA, I request its immediate deletion from my credit report. Reporting unverifiable or inaccurate information may constitute a violation of these laws, and I reserve the right to pursue all remedies available under federal and state law. 
Please provide the results of your investigation in writing within the timeframe required by law. 
Sincerely, 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