Consumer complaint received 2025-01-30 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:
Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Collection Account with XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following collection account reported on my credit file : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$570.00} Status : Collection account, updated XX/XX/year> Basis for Dispute : 1. No Contract or Agreement I did not sign or authorize any agreement establishing this alleged debt or consenting to the transfer of any debt to a third party. I request verification of this collection account under 15 U.S.C. 1681i ( Section 611 of the Fair Credit Reporting Act ), which requires credit reporting agencies to ensure the accuracy and validity of disputed accounts.

2. Validation of Debt Required As per 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ), I am entitled to validation of this debt. Please provide : A copy of a signed agreement or contract with XXXX XXXX. 
A detailed itemization of the debt explaining how the {$570.00} balance was calculated. 
Documentation showing I was notified about the transfer or assignment of this account to collections. 
3. Inaccurate and Incomplete Reporting This account appears incomplete and unverifiable. Reporting a balance without providing supporting details, such as payment history, terms, or assignment records, violates 15 U.S.C. 1681s-2 ( Section 623 of the FCRA ), which requires data furnishers to report accurate and complete information.

Connection to CFPB Lawsuit : I have become aware of the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian, which highlights systemic issues in the companys credit reporting practices, including failing to investigate disputes thoroughly and continuing to report inaccurate information. My experience mirrors these allegations. I have not received any information or verification regarding this matter, and Experian continues to report this account without verifying its accuracy or validity. 

This lack of due diligence violates your obligations under the Fair Credit Reporting Act and further underscores the concerns raised by the CFPB. Experians failure to resolve this dispute in compliance with federal laws has caused unnecessary harm to my financial standing.

Actions Requested : 1. Investigate and verify the accuracy of this account.

2. Provide all documentation substantiating the validity of this collection account, including a signed agreement, detailed account records, and proof of assignment or authorization.

3. Remove this collection account from my credit report if it can not be verified in compliance with the FCRA. 

I respectfully request that all correspondence regarding this matter be sent to me in writing through mail only at the address listed above. Please do not contact me by phone or email. 
I request that Experian complete this investigation and provide a response within the 30-day timeframe outlined in the FCRA. 

Thank you for addressing this matter promptly. 

Sincerely, 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