Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Here is a professionally rewritten version of your CFPB dispute, preserving all your legal arguments and case references, but cleaned up for clarity and maximum impact : Disc complaint is a clarification and expansion of a complaint I submitted XXXX XXXX XXXX XXXX XXXX please refer to this new submission for more complete detail -- - Subject : Request for Reinvestigation and Enforcement Action Under the Fair Credit Reporting Act ( FCRA ) Experian Case Number : XXXX XXXX On : XX/XX/year> Additional Related Case Reference : XXXX To the Consumer Financial Protection Bureau : I am filing this complaint against Experian for their continued failure to properly validate and investigate accounts listed on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This complaint is being filed under the authority of : 15 U.S.C. 1681e ( b ) : requiring credit reporting agencies to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1692g : requiring debt collectors and credit bureaus to validate debts upon request. 

15 U.S.C. 1681i ( a ) : requiring reinvestigation of disputed information if the consumer notifies the bureau of a dispute.

I have already filed disputes directly with Experian, and despite their response, they failed to provide critical evidence, including : Verification from the original creditor ; A copy of the purchase agreement or contract supporting the reporting of the debt. 


As additional legal support, I reference the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which clearly established that credit bureaus and debt buyers must provide original creditor information and documentation supporting ownership of the debt. Experian has failed to do this. 

I am requesting : 1. The assignment of an investigator to examine Experians investigation and reporting procedures in this case ; 2. That Experian be held accountable for negligent and non-compliant reinvestigation procedures ; 3. That Experian either fully validate the accounts with proper legal documentation or immediately delete the disputed items from my credit report ; 4. That this case be referred to arbitration or that I be advised on how to proceed with arbitration based on Experians inaction. 



This is not the first time I have raised this issue. The failure to provide proper validation is a clear violation of federal law, and I am now escalating this to ensure proper enforcement. 

Thank you for your attention and assistance in holding Experian accountable. 

Sincerely, [ Your Full Name ] [ Your Contact Information ] -- - Let me know if you'd like this saved as a document or if you want a version tailored for mailing or attaching to an arbitration request.

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