Consumer complaint received 2025-05-25 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: TX

Complaint narrative:
I am disputing multiple inaccurate and unverifiable collection accounts on my credit reports. These accounts, reported by agencies such as XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and others, show conflicting data across TransUnion, Experian, and Equifaxviolating FCRA Sections 607 ( b ) and 611. I have not received any proper validation under FDCPA Section 809 ( b ), and several accounts remain derogatory despite active disputes. Ive issued formal written disputes and demanded removal within 48 hours. I request immediate deletion of all disputed accounts from all credit bureaus or I will pursue legal action for noncompliance. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Date : XX/XX/2025 Formal Dispute of Inaccurate and Unverifiable Accounts Legal Demand under FCRA To Whom It May Concern, This letter serves as a formal dispute and legal notice under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccurate, inconsistent, and unverified collection entries being reported on my credit report across TransUnion, Experian, and Equifax.

After conducting a thorough review, I have found critical discrepancies and reporting violations that require immediate correction and removal of the accounts listed below. Failure to comply will result in legal action for defamation of character, negligent reporting, and violation of my consumer rights under federal law.

________________________________________ Key Violations and Inconsistencies : 1. Different statuses or balances across bureaus o Example : XXXX XXXX XXXX  shows Late 60 Days on TransUnion, but Too New to Rate on Experian this is a material inconsistency and violates FCRA 607 ( b ). 
2. Accounts listed with no verification or incomplete data XXXX XXXX XXXX XXXX has NO account number listed and is only reported by Equifax. This violates FCRA 609 ( a ) ( 1 ) which requires full identification of disputed entries.

3. Accounts reporting disputed by consumer but still marked derogatory o As seen with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX once an account is disputed, it can not remain in derogatory status unless fully verified ( FCRA 611 and 623 ).

4. Accounts with the same data but different reported dates o XXXX is being reported by XXXX XXXX XXXX and XXXX with differing balances, dates opened, and statuses this is duplicate reporting and misrepresentation of debt.

5. Accounts placed in collections that were never validated with a signed agreement o Under FCRA 609 ( a ) ( 1 ) and 809 ( b ) of the FDCPA, you are required to provide me with the original signed contracts and validation of debt not internal system records or generic statements.

________________________________________ Formally Disputed Accounts ( Demanding Deletion ) : XXXX XXXX XXXX ( XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number / unverifiable XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Installment Loan Account # : XXXX XXXX XXXX XXXX XXXX ________________________________________ Legal Notice of Intent to Sue If these items are not fully removed from all three credit bureaus ( TransUnion, Experian, Equifax ) within 48 hours, I will take immediate legal action under : FCRA 611 Failure to reinvestigate disputed information FCRA 607 ( b ) Failure to maintain accurate reporting FCRA 623 ( a ) ( 3 ) Reporting inaccurate information after notice of dispute FDCPA 809 ( b ) Failure to validate debt upon request This letter serves as a final demand. If no action is taken, I will file a complaint with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Civil Court for damages caused by inaccurate, negligent, and willfully misleading reporting Please send me confirmation that all the disputed accounts have been removed in writing.

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