Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, This letter constitutes my second formal notice regarding multiple inaccurate, unverifiable, incomplete, and unlawfully reported accounts appearing on my Experian consumer file. These items were previously disputed and improperly returned as verified without Experian providing the legally required method of verification. Your failure to conduct a reasonable reinvestigation now places Experian in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards, and exposes your agency to civil liability. LEGAL BASIS FOR THIS DEMAND 1. Failure to Conduct a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation to determine whether disputed information is accurate. Merely parroting information from a furnisher does not constitute a reasonable investigation, as held in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) binding authority in Pennsylvania ( XXXX XXXX ). Experian failed to : - Identify the competent witness who verified the data- Identify the documents reviewed - Verify compliance with Metro 2 data integrity requirements 2. Failure to Provide Method of Verification Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I formally request again the method of verification, including : - Name, address, and phone number of the furnisher - Name/title of the person who verified the information - Specific documents relied upon Failure to provide this information within 15 days constitutes a separate FCRA violation. 3. Reporting of Inaccurate, Incomplete, or Unverifiable Information Under 15 U.S.C. 1681e ( b ), Experian may not report information unless it follows reasonable procedures to assure maximum possible accuracy. Additionally, Metro 2 guidelines require complete and consistent reporting of : - Date of First Delinquency ( DOFD ) - Account status codes- Payment history accuracy - Charge-off and collection coding - Ownership and balance consistency The accounts listed below do not meet Metro 2 standards, rendering them legally unverifiable. ACCOUNTS IN DISPUTE ( NON-EXHAUSTIVE ) The following negative accounts are disputed in their entirety due to unverifiable accuracy, incomplete Metro 2 data, improper charge-off/collection reporting, and reinvestigation failures : - Kikoff Lending LLC Charged-off account with inconsistent delinquency progression and balance reporting - XXXX XXXX Charged-off tradeline reporting ongoing delinquency after charge-off - XXXX XXXX XXXX XXXX XXXX Late payment history on a closed/paid secured loan without proper DOFD substantiatioXXXX XXXX XXXX XXXX XXXX Alleged XXXX late without supporting payment history documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported without proof of assignment, authority, or original contract - XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Debt buyer reporting without validated chain of title or itemization Experian has no permissible purpose to continue reporting these accounts absent full documentary verification. DEMAND FOR RELIEF Because Experian has failed to meet its statutory burden under the FCRA, I hereby demand : 1. Immediate and permanent deletion of all disputed accounts listed above 2. Written confirmation of deletion 3. An updated Experian consumer disclosure reflecting these changes If Experian believes it may continue reporting any of these items, you are required to provide documentary proof, not automated confirmations. NOTICE OF INTENT Failure to comply within 30 days will leave me no option but to pursue all available remedies, including : - Complaints to the Consumer Financial Protection Bureau ( CFPB ) - Complaints to the Pennsylvania Attorney General - Civil action for willful and negligent noncompliance under 15 U.S.C. 1681n & 1681o This letter is written in good faith and serves as a final opportunity to correct your file without litigation. Govern yourself accordingly. Sincerely, XXXX XXXX XXXX, Pennsylvania

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