Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to dispute the continued reporting of account # XXXX on my credit report. Under the XXXX XXXX XXXX XXXX ( FCRA ) XXXX ( a ) ( XXXX ) ( A ) **, credit reporting agencies are required to complete their investigation within XXXX days** of a dispute being filed. However, Experian has **failed to meet this deadline**, and account # XXXX remains on my credit profile. I would like to highlight that **Equifax has already deleted all disputed accounts**, confirming that the information was inaccurate or unverifiable. Given that Experian has exceeded the legal timeframe to verify this account, it must be immediately removed per FCRA XXXX ( b ) and XXXX ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Texas XXXX XXXX Request for Documentation Regarding Account # XXXX Dear Experian, This letter is a request for documentation pertaining to account number # XXXX, which you have reported as being owed by me. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX et seq., and the Fair Debt Collection Practices Act ( FDCPA ), and any applicable state laws. 

To ensure the validity and accuracy of this alleged debt, I require the following documentation : XXXX. Forward Flow Agreement : Please provide a complete and unredacted copy of the Forward Flow Agreement or any other contract that demonstrates your legal right to collect on this debt. This agreement should clearly establish the terms of the transfer of this debt to your company. 

XXXX. Chain of Assignment : I request a complete and detailed Chain of Assignment, starting from the original creditor to your company. This must include all intermediary assignments, demonstrating a clear and unbroken chain of title. This is necessary to verify that you have the legal standing to pursue collection on this debt. 

XXXX. XXXX ( Cancellation of Debt ) : If this debt has been discharged, forgiven, or otherwise canceled, please provide a copy of the XXXX form that was issued to the IRS and to me XXXX This is crucial for verifying the status of the debt and for accurate tax reporting. 

I am aware of my rights under XXXX XXXX. XXXX, which provides for civil liability for willful noncompliance with the FCRA. Failure to provide the requested documentation Within XXXX Business Days from the time you receive this. Will be considered a refusal to validate the debt. 

Please be advised that any further collection activity without providing the requested documentation will be considered a violation of the FCRA and FDCPA. 

I expect a prompt and thorough response to this request. It is Impossible for Security Credit Services to " Delete Accounts on XXXX '' but not on the Other Bureaus? Please send the requested documents to the address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX 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