Consumer complaint received 2025-05-12 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: SC

Complaint narrative:
Subject : Immediate Action Required False Verifications, Legal Violations, and Demand for Documentation To Whom It May Concern, My name is XXXX XXXX ( SSN : XXXX, DOB : XX/XX/XXXX ) . I am contacting you regarding multiple accounts on my credit file that you have falsely verified in prior disputeswithout supplying any of the evidence I lawfully demanded, including original signed contracts, receipts, payment history, or any application bearing my wet signature. 
Let me be clear : under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act, your response is not just inaccurateits illegal. You are now on formal notice In my last dispute, you took over 45 days to respondalready a direct violation of 1681i ( a ). You also verified multiple tradelines without evidence. Below are the accounts you falsely verified. You have 10 business days from today to either provide legally compliant verification OR delete/correct each tradeline immediately. 

XXXX Acct XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Falsely reinserted after deletion, with no notice or documentation. 
Violates 1681i ( a ) ( 5 ) ( B ). Must be permanently deleted. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX XXXX XXXX This is a collection agency which bought a paid off bill from XXXX. No contract, no wet signature, no receipt. 
Violates 1681e ( b ) and Metro 2. Delete or produce proof of original contract with wet signature. 5 U.S.C. 1681c ( a ) ( 4 ), violates 1681s-2 ( a ), 1681c ( a ) ( 4 ), 1692e ( 8 ), and 1692f ( 1 ) XXXX XXXX  Acct XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Open account showing late. I have never made a late payment to this account. You verified without supporting docs. 
Violates 1681e ( b ). 1666b and PAANL. Must be corrected immediately. 
XXXX XXXXXXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Still reports lates after charge-off. No original contract or billing record provided. Violates 1681e ( b ) and 1681s-2 ( b ). Delete immediately. 
XXXX XXXXXXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Open account showing late. I have never made a late payment to this account. You verified without supporting docs. 
Violates 1681e ( b ). 1666b and PAANL. Must be corrected immediately. 
XXXX XXXX Acct XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Open account showing late. I have never made a late payment to this account. You verified without supporting docs. 
Violates 1681e ( b ). 1666b and PAANL. Must be corrected immediately. 
XXXX XXXXXXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Open account showing late. I have never made a late payment to this account. You verified without supporting docs. 
Violates 1681e ( b ). 1666b and PAANL. Must be corrected immediately.. 
XXXXXXXX XXXX XXXX Acct # : XXXX Shows missing payments while the account is being paid. No documentation provided. 
Violates 1681e ( b ). 1666b and PAANL. Must be corrected immediately.. 
XXXX XXXX Acct # : XXXX Paid off and closed, yet still listed as derogatory. 
Violates 1681e ( b ). Fix it or remove it entirely. 

Additionally, I am disputing the following hard inquiries listed on my Experian file, all of which were conducted without permissible purpose under 15 U.S.C. 1681b and/or have exceeded the reportable timeframe under 15 U.S.C. 1681c ( a ) ( 5 ) : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If these inquiries were not based on a legitimate, consumer-initiated application or lacked my direct written authorization, they constitute unauthorized access and must be removed immediately. You are required under federal law to provide proper documentation, not recycled XXXX XXXX  or unverifiable claims, proving a permissible purpose for each listed inquiry or delete them within 10 business days. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the South Carolina Attorney General, and I will pursue civil damages under FCRA 1681n and 1681o for willful and negligent noncompliance. This is your final opportunity to resolve this administratively ; I expect a full response within the timeframe stated. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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