Consumer complaint received 2025-11-19 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:
I, XXXX XXXX, swear under penalty of perjury that the statements made in this affidavit are true, correct, and made in good faith. This is now my third formal dispute submitted to Experian regarding multiple inaccurate and unverifiable accounts that continue to be reported without providing any legally valid documentation or written consent. 
Despite certified letters previously mailed on XXXX occasions with proper identification and dispute documentation, your agency and the furnishers have failed to provide validation as required by law. This includes your failure to remove the following accounts : XXXX XXXX XXXX XXXX Account # : XXXX Collection Account ( Medical ) Balance : {$1100.00} XXXX XXXX XXXX Account # : XXXX Auto Loan ( Charge-Off ) Balance : {$15000.00} You are unlawfully furnishing and publishing inaccurate, incomplete, and unverifiable information. Specifically, XXXX XXXX XXXX XXXX was previously deleted and then reinserted without proper notice or investigation under FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ). This violates federal law.

I have never provided written consent or a signature authorizing any company to furnish or obtain my personal credit information under 15 U.S.C. 1681b. Continued reporting without permissible purpose is a blatant and willful violation of my rights under the FCRA and FDCPA. 
This is outrageous, reckless, and unlawful. To date, no wet-ink signature, no assignment of debt, no original signed agreement has been provided to validate these accounts, and yet they remain. I am now preparing to take legal action for willful noncompliance. 
The Law : 15 U.S.C. 1681e ( b ) : Duty to report with maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Unverifiable or inaccurate accounts must be deleted, not updated.

15 U.S.C. 1681i ( a ) ( 7 ) : I was never given a description of the procedure used to verify these accounts.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) : You reinserted a previously deleted account without proper notice.

15 U.S.C. 1681b : No permissible purpose exists for these accounts as I never gave written consent.

15 U.S.C. 611 ( FCRA 1681i ) : Your failure to reinvestigate and provide verification within 30 days is unlawful.

15 U.S.C. 1692g & 1692cc : Debt collectors must validate medical debts with proper documentation.

UCC 3-501 & 9-210 : You have failed to present proof of ownership, assignment, or original agreement. 
DEMAND FOR ACTION : XXXX. DELETE these unverifiable and reinvestigated accounts from my Experian credit report immediately. 
XXXX. DO NOT reinsert any deleted information without full compliance under 1681i ( a ) ( 5 ) ( B ). 
XXXX. Provide a written explanation of the procedure used to verify these accounts, per 1681i ( a ) ( 7 ). 
XXXX. If this matter is not resolved within the legally required timeframe, I will proceed with legal and regulatory action under the FCRA and FDCPA. 
Final Note : Under 15 U.S.C. 1681i ( a ) ( 7 ), I am again demanding the exact method used to verify each disputed account. Your continued failure to provide this information is further proof of noncompliance.

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