Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
XXXX XXXX I am filing this complaint regarding an alleged debt reported by XXXX XXXX on my credit report. I exercised my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g to request validation of the debt. Proof of debt ownership Original contract or agreement With my Signed Signature Complete payment history Proof of legal right to collect the debt Despite my request, XXXX XXXX has : Failed to provide proper validation of the debt. 
Continued collection efforts without proof of debt ownership. 
Reported the debt to credit bureaus without verification, which is a violation of 15 U.S.C. 1692g ( b ), which requires debt collection activities to cease if the debt is not validated. 
I believe XXXX XXXX is in violation of my consumer rights, as outlined in the FDCPA. This account remains on my credit report without proper verification, causing harm to my credit profile and financial standing. Additionally, I specifically requested proof with my signature to verify that I am legally obligated to this debt. Despite my request, XXXX XXXX has : Failed to provide proper validation of the debt. 
Continued collection efforts without proof of debt ownership. 
Reported the debt to credit bureaus without verification, which is a violation of 15 U.S.C. 1692g ( b ), which requires debt collection activities to cease if the debt is not validated. 
I believe XXXX XXXX is in violation of my consumer rights, as outlined in the FDCPA. This account remains on my credit report without proper verification, causing harm to my credit profile and financial standing. I am formally requesting the immediate removal of the XXXX XXXX account listed on my credit report under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). I previously submitted a debt validation request to XXXX XXXX, demanding proof of the debt, including the original agreement signed by me. 

Under federal law, they are required to : Validate the debt with accurate documentation within 30 days. 
Provide proof of my signature on the original agreement. I am demanding that you : Immediately and permanently delete this unauthorized entry from all credit reporting databases under your control, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) for unverifiable or unauthorized debt.

Provide me with written confirmation of its removal within 15 days of receipt of this letter.

Cease all reporting and collection activities related to this account, as it is not legally valid.

Failure to Comply Will Result In : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FCRA and FDCPA.

Immediate escalation to the Attorney General 's Office in both my state and your state of business registration for fraudulent reporting and consumer rights violations.

Consideration of a civil lawsuit for damages caused by inaccurate reporting and violations of my consumer rights, including but not limited to : Defamation of character Willful non-compliance with federal law Negligent infliction of financial harm I expect written confirmation of the deletion, as well as a corrected credit report sent to my address within 15 days. If I do not receive confirmation of deletion and updated credit reports by that deadline, I will proceed with the actions outlined above without further notice.

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