Consumer complaint received 2025-05-04 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: PA

Complaint narrative:
Formal Dispute of XXXX Account Second Notice Demand for Investigation, Validation, and Immediate Removal. Account # : XXXX. Reported Balance : {$3800.00}. Opened : XX/XX/XXXX. First Delinquency : XX/XX/XXXX. 
To Whom It May Concern, This letter constitutes my second formal dispute of the above-referenced account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that XXXX XXXX immediately validate this account or request that it be deleted from all three major credit reporting agenciesEquifax, TransUnion, and XXXX required by law. To date, I have not been provided with any evidence that verifies the accuracy, completeness, or ownership of this debt. Under FCRA 623 ( a ) ( 1 ) ( A ), you are prohibited from reporting information you know or reasonably should know is inaccurate. If you are unable to verify this account through proper documentation, you must cease reporting it and request its removal. In accordance with FCRA 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of any item disputed by a consumer. However, it appears this account was verified without any actual documentary reviewsuch as a signed agreement, billing history, or calculation of the {$3800.00} balance. That is not a reasonable investigation, and continuing to report unverifiable information is a violation of federal law. Furthermore, this is a utility/telecom account and not a traditional credit account. Reporting it as such is potentially misleading and unfairly damaging to my credit profile. I draw your attention to XXXX XXXX XXXX Pennsylvania XXXX XXXX, where improper debt validation and incorrect reporting practices were contested under the Fair Credit Reporting Act ( FCRA ) and related Pennsylvania state laws. In that case, the court underscored the necessity for furnishers to verify debts accurately and completely. Failure to do so may result in legal consequences, as you may be well aware. I now demand that XXXX XXXX produce the following : A complete itemized statement of the {$3800.00} debt. 
A copy of any contract or agreement showing I agreed to this obligation ( a signed contract ) A billing history that shows how this amount was calculated. 
Proof that this account is not being misrepresented or reported in error. 
Documentation showing Verizons investigation process if you previously verified the account.I am also aware of ongoing CFPB enforcement actions against furnishers and credit bureaus that fail to comply with their dispute-handling responsibilities. Should XXXX fail to respond with meaningful documentation or refuse to remove unverifiable data, I will escalate this matter by filing complaints with the Pennsylvania Attorney XXXX XXXX, and consider legal action under the FCRA.

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