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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand for Method of Verification, Debt Validation & Immediate Deletion Re : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Dear EQUIFAX , EXPERIAN & TRANSUNION , I am formally disputing the inaccurate and unverified collection accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), you are required to conduct a proper reinvestigation of disputed accounts and ensure all reported information is 100 % accurate, verifiable, and substantiated.

Method of Verification ( FCRA 1681i ( a ) ( 2 ) ) I demand that you provide me with : 1. The name, address, and contact information of the entity that verified this account.

2. The exact method used to verify the listed accounts legitimacy.

3. A detailed explanation, including the date and parties involved in your investigation. 

If you can not provide this documentation, this account must be permanently deleted from my credit report immediately, as required under FCRA 1681i ( a ) ( 5 ) ( A ). Debt Validation ( FDCPA 15 U.S.C. 1692g ( b ) ) Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.
S.C. 1692g, I demand that XXXX XXXX XXXX XXXX XXXX XXXX provide me with : 1. The original signed contract or agreement bearing my signature, proving I authorized this debt.

2. A full itemized accounting of the alleged debt, including principal, interest, fees, and payments made.

3. Proof of their legal authority to collect on this debt.

Since I never authorized this company to obtain my personal information, their furnishing of this account to the credit bureaus without my consent violates FCRA 1681b ( f ) and constitutes an unauthorized, unlawful furnishing of data.

Demand for Immediate Deletion As per FCRA 1681c ( a ) and FCRA 1681s-2 ( a ) ( 1 ), unverified and inaccurate accounts must be promptly deleted. If you fail to remove this unverifiable account, you will be in willful noncompliance with federal law, and I will seek legal remedies, including statutory and actual damages under FCRA 1681n.

Failure to comply within 30 days from receipt of this letter will leave me no choice but to escalate these matters to the the Federal Trade Commission ( FTC ), and legal action in federal court. 

This letter serves as formal notice under the FCRA and FDCPA. I expect a response confirming the permanent deletion of this account. 

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