Consumer complaint received 2025-04-17 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: AR

Complaint narrative:
The companies did not provide verification and validation of the debt in a XX/XX/year> based on the following request. 

Failure to Validate and Legal Consequences I also remind you that under 15 U.S.C. 1692e, any false or misleading representations regarding a debt are prohibited. If you fail to provide the requested documentation, you may be in violation of federal law. If no validation is provided, I will seek the removal of this item from my credit report, and I will consider further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General in your state. 
I expect your response within 30 days. Please note that if I do not receive full and valid documentation, I will consider this debt to be invalid and request that you immediately remove it from all credit reporting agencies. 
Thank you for your attention to this matter. I trust you will handle this request with the utmost urgency and in compliance with applicable laws. 

This account is being reported with a negative status due to late payments, charge-offs, and collection accounts. However, I believe this account has been incorrectly reported or is no longer valid due to its age or other discrepancies. Under 15 U.S.C. 1681c, any negative information that is older than seven years must be removed from my credit report. I request that this item be removed as it has exceeded the reporting limit or was inaccurately reported.

Violation Cited : 15 U.S.C. 1681c Information excluded after seven years. Negative accounts older than seven years should not be reported.

Violation Cited : 15 U.S.C. 1681i ( a ) ( 5 ) Requirements for correcting inaccurate personal information.

-- - # # # Request for Action : In accordance with the Fair Credit Reporting Act, I am requesting the following : 1. Immediate Deletion or Correction of all disputed items, including negative entries, inquiries, and personal information discrepancies.

2. Provide Documentation proving the accuracy of the reported items, including all relevant records, communications, or evidence that substantiates the validity of the entries on my credit report.

3. Prompt Resolution of Disputes within the legally mandated 30-day period. If the investigation reveals any inaccurate, outdated, or unverifiable information, I demand that these items be removed immediately.

4. Detailed Explanation of Investigation Results should be provided to me, including the name of the person or department that conducted the investigation, along with a report of the findings.

It is important to note that under 15 U.S.C. 1681i, if a credit reporting agency can not verify the accuracy of a disputed item, it must be removed from the consumers credit report. If the credit bureaus fail to comply with these requirements, I will not hesitate to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action

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