Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX XXXX XXXX [ Todays Date ] Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Documentation and Clarification Regarding Soft Deletion of XXXXXXXX XXXX Account To Whom It May Concern, I am writing to formally request documentation and clarification regarding the XXXXXXXX XXXX  account that appears on my credit report. When attempting to dispute inaccuracies in the balance history for this account, I received the following message : Balance History Inaccurate Unable to Process Dispute : Trade All Balance History Soft Deleted. 

This response is highly concerning, as it suggests that Experian has removed the balance history for this account but is still allowing it to remain on my credit file without proper verification. 

Given that Experian is stating that the balance history is no longer available, I am requesting the following : 1. Full Documentation Provide all records, documentation, and communications that Experian has received from LXXXX XXXX  regarding this account, including proof of debt ownership, balance verification, and any original agreements bearing my signature. 
2. Clarification on Account Status Since the balance history has been removed and Experian is unable to process my dispute, I need confirmation as to whether the account itself should be deleted from my credit file due to lack of verifiable information.

3. Explanation of Soft Deletion Please provide a clear explanation of what soft deleted means in this context and why an account without verifiable balance history is still being reported. 

If Experian can not provide valid, documented evidence that this account is being accurately reported, I request that the account be immediately removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). Continuing to report unverifiable information is a violation of my consumer rights. 

Please respond to this request in writing within the required timeframe. Failure to provide the requested documentation or a valid reason for keeping this account on my credit file will leave me no choice but to escalate this matter further. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Proof of Debt Verification XXXX XXXX To Whom It May Concern, I am writing to formally request that Experian provide me with solid documentation verifying that the XXXX XXXX account on my credit report belongs to me. I recently disputed this account again today, and within one day, Experian updated my report stating that the account will remain. However, I have not been provided with any proof of verificationonly a notification stating that the debt is verified. 

I am requesting detailed documentation that establishes the legitimacy of this account, including : 1. A copy of the original signed contract with my name and signature proving that I opened this account.

2. The documentation or information XXXX XXXX provided to Experian to verify the account. 
XXXX. Any additional supporting records showing that this debt is valid and belongs to me. 

A mere statement that an account has been verified is not sufficient proof. If Experian can not provide the requested documentation, I demand that this account be removed immediately from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

I also find it concerning that Experian is not handling the dispute process professionally or in compliance with consumer protection laws. The lack of communication and refusal to provide the necessary documentation raises serious concerns about the integrity of Experians investigation process. 

I expect a written response with the requested documents within 30 days from the date of this letter. If Experian fails to provide this information or continues to report unverifiable information, I will escalate this matter accordingly, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

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