Consumer complaint received 2025-07-25 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: DE

Complaint narrative:
Dear Experian Compliance Department, I am writing to formally dispute multiple entries reported on my credit file dated XX/XX/XXXX pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), which grants me the right to challenge inaccurate, incomplete, unverifiable, or outdated information in my consumer report. 

These accounts continue to report derogatory information that does not meet FCRA or Metro 2 compliance standards for permissible reporting. I have previously disputed these accounts, and I do not accept the conclusions of your prior investigations. As required under FCRA, you must conduct a reasonable reinvestigation and either : - Provide me with complete documentation from the original data furnishers used in your verification, or - Permanently delete the disputed items that can not be verified by 15 U.S. Code 1681i ( a ) ( 5 ) ( A ).

The accounts listed below are in dispute due to one or more of the following reasons : inaccurate payment history, unverifiable balance information, lack of permissible purpose, failure to validate debt, or noncompliance with Metro 2 reporting guidelines. 

Accounts in Dispute ( Requesting Reinvestigation and Metro 2 Verification ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts report either a {$0.00} balance or are marked closed but still show negative payment history or derogatory status. Suppose you can not provide complete validation ( such as billing statements, contracts, or payment history directly from the original creditor ). In that case, these must be deleted under FCRA 1681i and corrected using the Metro 2 format. 

Third-Party Collection Accounts ( Require Debt Validation and Legal Authority ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These collection agencies report debts without supplying proper chain-of-title documentation, contractual evidence, or itemized statements. Under FCRA 809 ( 15 U.S.C. 1692g ) and Metro 2 standards, you must ensure the data furnisher has legal authority to report these accounts. These tradelines must be removed if they can not provide documentation within the reinvestigation window. 

Unauthorized Hard Inquiries ( Identity Theft FCRA 605B ) : The following inquiries were made without my authorization and are the result of identity theft : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX By FCRA 605B, I request the immediate removal of these inquiries. I did not initiate or authorize them, and no permissible purpose existed for these credit pulls.

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