Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Demand for Verification of Reported Collection Accounts To Whom It May Concern, I am formally disputing the following collection accounts currently being reported on my Experian credit report. These accounts are being reported inaccurately and without legal validation. I am demanding complete verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Under federal law, Experian must ensure all reported information is accurate, verifiable, and lawfully obtained. Unless you can provide documented proof that each of these debts is valid and that the furnishers have the legal right to report them, you must immediately delete these accounts from my credit file. 
Accounts in Dispute XXXX XXXX  Account # XXXX {$1000.00} XXXX XXXX XXXX ( XXXX ) Account # XXXX {$570.00} XXXX XXXX XXXX ( XXXX  ) Account # XXXX {$830.00} XXXX XXXX XXXX Account # XXXX {$260.00} Verification Requirements Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation and provide the following for each account : 1. A copy of the original signed contract or agreement showing I am legally obligated for each alleged debt.

2. A complete chain of assignment or ownership showing how each account was transferred or sold from the original creditor to the current furnisher.

3. Proof of licensing and authorization for each furnisher to collect debts in the State of Ohio.

4. A full, itemized accounting explaining how each reported balance was calculated.

5. The name, title, mailing address, and direct contact information of the person who verified each account during your reinvestigation process. 
A billing statement, system note, or account summary does not constitute verification under FDCPA 809 ( b ) or FCRA 611 ( a ).

Legal Notice If Experian can not provide complete verification and identify the individual responsible for verifying these accounts within 30 days of receiving this notice, you are required by FCRA 611 ( a ) ( 5 ) to delete all four accounts from my credit report. Continued reporting of unverifiable data constitutes willful noncompliance under 15 U.S.C. 1681n and 1
681o, which exposes Experian to civil liability and damages. 
Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Ohio Attorney Generals Office. 
This is not a request for an explanation it is a demand for verifiable proof and identification of the individual who verified these accounts. If Experian can not produce that evidence, you must immediately delete the accounts and cease all reporting activity. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH 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