Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against Experian for Willful Violation of the FCRA I am filing this complaint against Experian for knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ) by continuing to report an account from XXXX XXXX XXXX that is unverified and unlawful to report. 
On XX/XX/year>, I sent XXXX, XXXX a certified debt validation letter pursuant to the Fair Debt Collection Practices Act ( FDCPA, XXXX XXXX XXXX ). I disputed the alleged debt and requested validation. XXXX signed for and received my certified letter but never responded. 
Under the FDCPA, a debt collector must provide the consumer with validation of the debt when it is requested in writing. They also must cease all collection activity until that validation is provided. This includes reporting to the credit bureaus. 
Because XXXX failed to respond within the required XXXX period and failed to provide any proof that this debt is valid, they are in direct violation of federal law. 
After XXXX ignored my request, I sent certified letters to Experian explaining the situation, providing copies of my certified debt validation letter, and demanding removal of the XXXX account from my credit report. 
Instead of deleting the account as required by FCRA 15 USC 1681i ( a ) ( 5 ) ( A ) which mandates the deletion of any information that can not be verified Experian replied that the account was validated.

That was not my request. That was not the law. 
I did not ask Experian to validate the debt. I provided them with clear evidence that the furnisher, XXXX, failed to meet its legal obligation to provide validation and therefore lost the right to continue reporting this debt. 
By continuing to report this account after being shown proof that : - I disputed the debt in writing, and - XXXX failed to respond or provide validation Experian is knowingly reporting inaccurate information and is in willful violation of the FCRA. 
I am requesting that the CFPB take immediate action to : 1. Investigate Experian for failing to comply with FCRA requirements ; 2. Order the immediate deletion of the XXXX account from my credit report ; XXXX. Require the bureau to update its internal procedures so that accounts are properly deleted when validation is not provided by the furnisher. 
Enclosures for Review : - My certified debt validation letter to ProCollect dated XX/XX/year> - XXXX proof of delivery showing ProCollect received it - Certified letter sent to Experian demanding deletion - Experian 's response claiming validation instead of deletion - Credit report excerpt showing the continued reporting of the account The FCRA is clear : information that can not be verified must be deleted. XXXX never verified this debt. Experian is knowingly reporting false information, harming me as a consumer, and ignoring federal law.

I respectfully request the CFPBs intervention to enforce my consumer rights under the FDCPA and FCRA and to compel Experian to immediately remove this account. 

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