Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Final Notice of Violations FCRA, FTC, and CFPB Noncompliance & Demand for Deletion of Inaccurate Accounts Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

To Whom It May Concern, I am writing to formally notify you of ongoing and repeated violations of federal consumer protection laws specifically the Fair Credit Reporting Act ( FCRA ), as enforced by the Federal Trade Commission ( FTC ) and regulated by the Consumer Financial Protection Bureau ( CFPB ) in relation to multiple accounts inaccurately reported and maintained on my credit profile. 

Despite several prior disputes filed in accordance with FCRA 611 [ 15 U.S.C. 1681i ], I have observed that Experian, TransUnion, and Equifax have failed to fulfill their legal obligations by continuing to report inaccurate, outdated, and unlawfully re-aged accounts. These actions represent a willful and negligent violation of the FCRA under 623 [ 15 U.S.C. 1681s-2 ], which holds furnishers accountable for the accuracy and integrity of the information they provide. 

Violations Include but Are Not Limited To : Illegal Re-aging of Accounts : Accounts have been deliberately re-aged to make it appear as though they are currently delinquent, despite the Date of First Delinquency ( DOFD ) being more than seven years ago. Per FCRA 605 ( a ) ( 5 ), derogatory information ( such as charge-offs and collections ) must be removed 7 years from the DOFD.

Failure to Verify and Validate Accounts : Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), I have the right to receive proper verification and validation of alleged debts. Creditors and debt collectors, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, have failed to provide : A valid, signed original contract. 
A complete chain of title proving legal right to collect. 
A proper debt validation notice in compliance with 15 U.S.C. 1692g ( FDCPA ).

Lack of Investigation and Reckless Noncompliance : The credit bureaus have failed to conduct a reasonable reinvestigation of the disputes as mandated by FCRA 611 ( a ) ( 1 ) ( A ). Continuing to report inaccurate information after being notified constitutes willful noncompliance per FCRA 616 [ 15 U.S.C. 1681n ], and subjects the violators to punitive and statutory damages. 

Accounts in Dispute and Noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( two separate entries ) Damages Incurred : As a direct result of your continued reporting of these inaccurate and unlawfully maintained accounts, I have suffered tangible harm, including : Denials of credit cards and auto loans. 
Lowered credit scores affect financial opportunities. 
Emotional and reputational distress due to unethical reporting. 

Demand for Immediate Action : I am hereby demanding that each of the listed accounts be immediately and permanently deleted from Experian, TransUnion, and Equifax credit files. Failure to comply within 15 calendar days from receipt of this letter will leave me no choice but to seek legal counsel with a consumer protection attorney to pursue damages for : Willful noncompliance under FCRA 616, Negligent noncompliance under FCRA 617, and Violations of the Fair Debt Collection Practices Act ( FDCPA ) as applicable. 

This letter shall serve as a final notice before legal action is initiated. Please preserve all records and communications relating to these accounts, as they may be requested during discovery in potential litigation.

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