Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Re : Unlawful Reporting of Inaccurate, Incomplete, and Unverifiable Information to Credit Bureaus Consumer Financial Protection Bureau To Whom It May Concern : I am filing a formal complaint against [ XXXXXXXX XXXX XXXX XXXXXXXX ] and EXPERIAN LLC for unlawfully reporting inaccurate, incomplete, and unverifiable information to the nationwide consumer reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681s2 ( a ) and 1681s2 ( b ).

Despite my written disputes submitted to both the furnisher and the credit bureaus, the information continues to be reported without proper investigation, verification, or correction. This conduct has resulted in significant harm to my creditworthiness, financial opportunities, and overall consumer rights.

Summary of Violations Reporting information that is factually inaccurate Failing to provide complete and updated information Continuing to report information that is unverified or unverifiable Failing to conduct a reasonable investigation after receiving my dispute Failing to correct or delete information that can not be verified Violating the furnishers duties under FCRA 623 ( 15 U.S.C. 1681s2 ) Details of the Disputed Account ( s ) Furnisher/Creditor : [ EPERIAN credit reporting agency ] Account Number : XXXX

Nature of Inaccuracy : [ This account began reporting to Experian from : XXXX XXXX XXXX XXXX a debt collection agency located at : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX, Status Updated XX/XX/XXXX, Pass due as of XX/XX/XXXX with amount owed : XXXX to XXXX XXXX XXXX. NO MONTHY PAYMENT DETAILS GIVEN, NO FURTHER INFO PROVIDED.

As per my rights I sent several letters, requesting a copy of a document or contract bearing my signature.

I asked for the method used to validate the debt and dates for last payment, however info was never provided and appears incomplete.

Dates of Dispute Letters Sent : XXXX XXXX, XXXX XXXX, XXXX XXXX Responses Received : From EXPERIAN - File Updated The furnisher has either failed to respond appropriately or has continued reporting the disputed information without providing any documentation proving its accuracy. Under the FCRA, information that can not be verified must be deleted, yet the furnisher continues to report it.

Impact on Me This unlawful reporting has caused measurable harm, including : Denial of credit or higher interest rates Negative impact on my credit score Emotional and financial distress Loss of financial opportunities Requested Action I respectfully request that the CFPB : 1. Investigate the furnishers noncompliance with the FCRA.

2. Require the furnisher to provide proper verification of the disputed information or delete it immediately.

3. Ensure the credit bureaus update my reports accordingly.

4. Take any additional enforcement action deemed appropriate.

I am attaching copies of my dispute letters, credit reports, and any responses received for your review.

Thank you for your attention to this matter. I appreciate your assistance in ensuring that my consumer rights are upheld.

Thanks in advance

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