Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attn : Legal Department / Credit Reporting Division XXXX XXXX XXXX XXXX XXXX, VA XXXX ATTN : XXXX XXXX RE : Formal Notice of Dispute and Demand for Correction Account No. XXXX To Whom It May Concern : This correspondence serves as a formal notice of dispute and demand for correction regarding the above-referenced account, which is being reported to the consumer reporting agencies under the name of XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX .. Additionally, this letter serves as a challenge to the legal standing and authority oXXXX XXXX XXXX  to collect or enforce this alleged debt, and the reporting of inaccurate information. 

I have identified material inaccuracies in the tradeline reporting of this account, including but not limited to : Misreporting of balance following a charge-off designation ; Inconsistent or inaccurate delinquency status updates ; Failure to mark the account as disputed in accordance with federal law. 

These issues constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information ; 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Failing to correct or update inaccurate information ; 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Failing to report accounts as disputed ; 15 U.S.C. 1681e ( b ) : Failing to ensure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to reinvestigate consumer disputes. 

Furthermore, it is my understanding that XXXX XXXX has initiated or is attempting to initiate legal action in connection with this account. As such, you are required to demonstrate that XXXX XXXX currently owns the account or has lawful authority to enforce it. 

Demand for Chain-of-Title and Securitization Documents You are hereby directed to produce the following documentation within fifteen ( 15 ) calendar days : A complete chain of title and assignment of interest, from origination to present, including : All securitization transfers, repurchase agreements, or trust dissolutions involving this account ; Any Trust Agreement, Pooling & Servicing Agreement ( PSA ), or Bill of Sale related to this account ; The name of any special purpose vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  entity used for transfer. 

Documentation confirming that XXXX XXXX has retained or reacquired ownership of the account post-charge-off and is not attempting to collect on behalf of a third party without assignment. 

A complete ledger or accounting breakdown explaining how the charged-off balance was calculated. 

If the account was securitized, transferred, or sold, XXXX XXXX may lack standing to pursue collection or report the account, and continued enforcement or reporting would constitute : False representation of the legal status of the debt in violation of 15 U.S.C. 1692e ( 2 ) ( A ) ; Use of deceptive means to collect a debt under 15 U.S.C. 1692e ( 10 ) ; Unfair or unconscionable means to collect under 15 U.S.C. 1692f. 

Conclusion and Reservation of Rights You are advised that failure to provide the requested documentation or to correct inaccurate credit reporting within the prescribed time will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the California Attorney Generals Office. I also reserve the right to initiate private arbitration or civil litigation for violations of the FCRA and FDCPA. 

This is a formal dispute and demand for compliance under federal law. All rights reserved. No rights waived. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA 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