Consumer complaint received 2025-02-03 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: OH

Complaint narrative:
I am writing to formally request an investigation and validation of all the negative accounts currently reported on my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies conduct a proper and thorough investigation into disputed information. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any unverifiable, inaccurate, or incomplete information must be promptly removed from my credit report.

I hereby demand that you provide verification, including the wet ink signature on any alleged agreements with creditors or collection agencies that have reported negative information against my credit report. If these accounts can not be validated with proper documentation, including my original signature, you are lawfully required to delete them from my credit report immediately.

Furthermore, under 18 U.S.C. 894, any attempt to collect an alleged debt without valid proof, including extortionate credit transactions, is a federal offense. Reporting unverifiable negative accounts without adequate documentation and failing to conduct a lawful investigation may be deemed a violation of consumer protection laws. If the accounts in question are not validated with legally and lawfully sufficient proof, I demand their immediate removal.

Additionally, I request that my personal informationname, address, and contact numberbe corrected. 

I would also like to bring to your attention the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian, XXXX, and XXXX, alleging that these agencies engaged in sham investigations, did not properly freeze accounts, and systematically violated their obligations under the Fair Credit Reporting Act ( FCRA ). This legal action further underscores the necessity of complying with federal laws and ensuring that all reported information is accurate and fully substantiated. 

To facilitate the verification process, I am enclosing copies of the following : My government-issued identification card My Social Security card Proof of residency ( utility bill, bank statement, or lease agreement ) I expect a formal response within 30 days as required by the FCRA. Failure to comply with this request will leave me no choice but to seek legal recourse, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

I look forward to your prompt resolution of this matter. Please provide all requested documentation in writing to my address above. 


Accounts associated with disputes 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 XXXXXX/XX/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