Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
Summary of my complaint I am disputing Experians handling of a collection tradeline reported by XXXX XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX ). Experian has failed to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ), failed to obtain or provide verification of the alleged debt, and failed to provide the required description of procedure in its dispute results. The tradeline continues to report without proper verification, despite my certified-mail dispute package and supporting documents. 

What happened I was a tenant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas, managed by XXXX XXXX. After moving out, XXXX claimed I owed a balance which I dispute as inaccurate. 

XXXX placed the account with XXXX XXXX XXXX XXXX  ( XXXX ), who then reported a collection tradeline to Experian in XXXX  name. 

I disputed this tradeline with Experian and requested a reinvestigation and verification of the alleged debt. I also sent Experian, XXXX, and XXXX detailed written disputes and requests for validation/verification by certified mail, including : A copy of the lease My own correspondence A demand for itemized charges and proof of the amount supposedly owed A request for Experian to provide a description of its reinvestigation procedure and the information used to verify the tradeline In response, XXXX mailed me a packet that consisted only of : A copy of the lease ; and An internal ledger printout with no backup documentation, invoices, repair bills, photos, or proof that the amount was valid or properly assessed. 

This does not constitute meaningful validation or verification of the debt. 

I then sent Experian a Phase XXXX reinvestigation letter and supporting documents by certified mail, specifically pointing out that : XXXX had not actually validated the debt There was no itemization or proof of the alleged balance I was requesting Experian to delete the tradeline if it could not be verified I was requesting the description of procedure under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Experian opened a new dispute around XX/XX/year>, and I received an email stating the dispute was being investigated. 

After that investigation period, Experians results were : A vague notice that the item had been updated or that the dispute was resolved No explanation of what was updated No description of procedure No documentation from XXXX or XXXX No indication that any actual verification had occurred The before-and-after information on the tradeline appears effectively the same, and the tradeline remains on my Experian credit report. Experian has not : Shown how it verified the debt Provided any documentation from the furnisher Provided the required description of procedure explaining who it contacted and what information was used Corrected or deleted the tradeline despite the lack of meaningful verification As a result, a previously excellent Experian credit score ( around XXXX ) dropped dramatically after this collection was reported, causing reputational and potential financial harm. I have spent substantial time and effort preparing disputes, sending certified letters, and trying to get a lawful reinvestigation. 

Why I believe Experian violated the FCRA 1.

Failure to conduct a reasonable reinvestigation ( FCRA 611 ( a ) ) Experian appears to have accepted a bare lease and internal ledger from XXXX as verification without any true investigation and without requiring actual evidence that the amount is correct and legally owed. 

2.

Failure to provide a description of procedure ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) I specifically requested the description of the procedure used to reinvestigate this dispute. Experian has not provided it. The vague updated result does not satisfy this requirement.

3. 
Continuing to report an unverified collection tradeline Despite the lack of true validation from XXXX and the absence of any meaningful explanation from Experian, the collection tradeline remains on my report and continues to damage my credit standing. 

XXXX. 
Inadequate and incomplete dispute results Experians dispute result communications do not clearly state whether the account was verified, modified, or simply left unchanged, nor do they explain the basis for Experians decision.

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