Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
Dispute 1 : Complaint against Experian To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of Birth : XXXX Date of Report : XX/XX/XXXX Subject : Formal Complaint and Demand for Debt Validation Violation of FCRA and FDCPA This is a formal complaint against Experian for reporting inaccurate, incomplete, and unverified information on my credit report dated XX/XX/XXXX. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

This is a direct dispute of the accuracy of the information on my credit report and a demand for validation. This is not a request to place a fraud alert on my file.

You are required to conduct a reasonable investigation and verify the information in question within 30 days. Failure to do so, or any attempt to stall this investigation, is a serious violation of the FCRA, for which there are penalties.

I. Inaccurate Personal Information My report lists numerous variations of my name, including " XXXX XXXX XXXX, '' " XXXX XXXX, '' and " XXXX XXXX, '' along with multiple outdated employers like " XXXX '' and " XXXX XXXX ''. This information is inaccurate and obsolete. I demand that you remove all name variations and outdated employer information to ensure the accuracy and security of my file.

II. Unverified and Inaccurate Accounts I demand immediate validation and verification for the following derogatory accounts. You are required to provide proof of your legal standing to report these items, including the original signed contract or application, a complete payment history, and proof of license for any collection agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reported as a " Collection/Chargeoff '' with a balance of {$590.00}. I have no record of this debt. Validate this item or delete it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : A second account from the same creditor, reported as a " Collection/Chargeoff '' with a balance of {$980.00}. This is also unrecognized. Validate this item or delete it. 
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  : Reported as a " Collection/Chargeoff '' with a balance of {$64.00}. I demand strict proof and validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reported as a " Collection/Chargeoff '' with a past due amount of {$2800.00}. This item is inaccurate. Provide complete validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reported as " Paid '' but with a " Collection/Chargeoff '' status and a note that a dispute was resolved where the " consumer disagrees ''. Your own records indicate a dispute. I demand to see the results of that alleged investigation and full validation of this derogatory reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : You report this account as " Late 30 Days '' with a past due amount of {$38.00}. This is incorrect. The XXXX  report lists this same account as " Current. '' This discrepancy is proof of an inaccuracy. Correct this status to " Current '' or delete the entire tradeline.

III. Unauthorized Inquiries The following inquiries are listed on my report. I do not recall authorizing these. Provide proof of my written authorization or a permissible purpose for these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you can not validate these debts and prove the accuracy of all disputed items within 30 days, you must delete them from my report. I expect a copy of the results of your investigation mailed to my current address. 
Sincerely, XXXX 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