Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I am disputing the accuracy and continued reporting of XXXX XXXX XXXX account number : XXXX on my credit report ( see CRM Experian attachment ), as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I previously disputed this account with Experian but it appears that Experian did not conduct a proper/thorough investigation because today ( XX/XX/scrub> 2025 ), Experian informed me that the information I disputed has been verified as accurate. 
Experian did not provide me with any proof that this debt belongs to me ; Experian simply indicated on its website that, the account has not changed and will remain. 
In accordance with Regulation F under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute this debt and request that Experian validate and reinvestigate the account to ensure its accuracy. 
In accordance with Rule 1002, Experian is required to provide me with the requested documentation within 10 calendar days of receiving this notice. Please be advised that merely asserting the information is accurate is not sufficient. Without clear proof of compliance with the relevant provisions of the FCRA ( specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureaus is invalid, and there is no basis for it to remain on my credit report. Please note, I am aware of the lawsuits filed against " certain credit reporting agencies '' by the CFPB, as a result, I am requesting a proper investigation.

Regulation F establishes the responsibilities for the debt regarding the chain of ownership and communication practices. Additionally, under the FDCPA, I previously requested full validation/verification of this alleged debt, including but not limited to : Proof of ownership and right to collect in the state of Illinois A copy of the original signed agreement that establishes my liability.

A full payment history from the original creditor to validate the balance.

Clarification on the statute of limitations for this debt and whether it is time-barred.

Until full validation is provided, and this information is verified as accurate, it must not be reported to the credit bureaus. Continuing to report unverified or inaccurate information is a violation of both the FCRA and FDCPA.

I am also requesting that Experian provide the documentation or evidence that justifies continued reporting of this collection account on my credit report. Any item that is reported on my credit file must be accurate, verifiable, and complete.

As a result, I am requesting the following : 1. A copy of the original documentation provided by the furnisher of the information ; 2. The date the information was last verified ; and 3. A description of your procedures used to verify the accuracy of the information.

Under the FCRA, credit reporting agencies and furnishers of information are required to ensure the accuracy and integrity of the information they report. Any inaccurate or unverifiable data must be corrected or removed from my credit report.

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