Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccuracies on my credit reports and to demand immediate corrective action in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts listed below contain serious reporting errors and violations of federal law. 


XXXX XXXX XXXX Reported Status : Paid in settlement. {$3600.00} written off. 

Violations Identified : This status is misleading. Settled accounts should not imply there is still an outstanding balance, per CFPB XXXX XXXX. 

This tradeline fails to show that the account was settled and now carries {$0.00} liability. 



My Demand : Update this account to reflect a {$0.00} balance immediately or remove it entirely. 


XXXX XXXX XXXX Reported Status : Closed. {$830.00} balance. 

Violations Identified : If this account is closed and no balance is owed, the report must reflect a {$0.00} balance. 

If the account is over 7.5 years old, reporting it violates FCRA 605 ( c ) due to potential re-aging.

My Demand : Either correct the status to show a {$0.00} balance or delete the account entirely. 


XXXX XXXX XXXX XXXX  The charge-off amount exceeds the past-due balance. This points to inaccurate or faulty record-keeping.

I have not received any debt validation, including chain of title or full payment history, as required under FDCPA 809 ( b ).

My Demand : Due to lack of substantiation, I am demanding complete deletion of this account.

-- - 3. Regulatory Obligations Under FCRA 611 ( a ) ( 1 ) ( A ), the credit bureaus are legally required to conduct a reasonable investigation within 30 days.

Additionally, CFPB Regulation V ( 12 CFR 1022.43 ) requires furnishers to correct or delete any account that is found to be inaccurate.

Failure to meet these obligations is a direct violation of federal law and constitutes willful noncompliance under FCRA 616, which allows for statutory damages of up to {$1000.00} per violation, plus punitive damages.

-- - 4. My Demands I am requesting the following actions be completed within 30 days from receipt of this letter : 1. Full deletion of all disputed accounts from Experian, Equifax, and TransUnion. 


2. Written confirmation from each furnisher ( XXXX, XXXX, etc. ) verifying the accounts have been corrected or removed. 


3. Proof of compliance with FCRA investigation requirements from all credit bureaus.

5. Notice of Intent to Litigate If these errors are not resolved within the 30-day window, I will take legal action. That includes : Filing suit under FCRA 616 for willful noncompliance Seeking statutory damages of {$1000.00} per violation, as well as punitive damages Reporting all UDAAP violations to the CFPB and my State Attorney Generals Office Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA 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