Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this formal complaint against the XXXX major credit reporting agencies Experian, TransUnion, and Equifax for failing to conduct fair, thorough, and truthful investigations into multiple disputes I have submitted regarding inaccurate and unverifiable information on my credit reports. 
Despite submitting several disputes, these agencies continue to return results stating the information has been " verified, '' without providing any method of verification, documentary evidence, or proof that an actual investigation occurred, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Violations and Requests : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : o I am requesting the billing statements or proof of receipts showing that I received a bill at least 21 days prior to the due date for any alleged late payments. 
o I demand a detailed explanation of the method used to verify this account. 
o If such proof can not be provided, all late payments should be permanently deleted from my credit reports. 
XXXX. XXXX and XXXX XXXX Accounts : o These accounts are reporting under a Social Security Number that is not mine, and list an address where I have never resided. 
o Under the FCRA and FDCPA, I am requesting full debt validation, including : Copy of the original signed contract Full account history and breakdown of charges The name and license number of the collection agency authorized to collect debt in my state A detailed method of verification used to confirm the accuracy of this information o If these requests can not be met, I am requesting immediate deletion of these accounts from all three credit reports. 
Legal Basis : Under the FCRA, credit bureaus are required to perform a reasonable investigation of disputes and provide the consumer with all relevant information used in the verification process. Simply parroting back " verified '' without details violates my rights under 611 ( 15 U.S. Code 1681i ).

Under the FDCPA, I have the right to request debt validation, and any attempt to collect or report unverifiable debt violates 809 ( 15 U.S. Code 1692g ).

Remedy Requested : Immediate deletion of all unverified or inaccurate information, including late payments and fraudulent accounts. 
Written documentation showing how each account was verified. 
Full debt validation from each collection agency and proof of their license to collect in my state ( Louisiana ). 
Compensation from each credit bureau and collection agency involved, for each violation of my consumer rights under the FCRA and FDCPA. 
I request that the CFPB investigate these agencies and hold them accountable for failure to comply with federal law and for the ongoing damage to my credit, finances, and well-being. 

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