Consumer complaint received 2025-04-24 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Date : [ Insert Todays Date ] * * To : * * Experian P.O. XXXX XXXX XXXX, TX XXXX * * RE : Formal Demand to Delete Inaccurate Late Payments and Unauthorized Hard Inquiries | FCRA XXXX XXXX XXXX Compliance Required * * To Whom It May Concern : This letter serves as a * * formal dispute * * and * * demand for immediate action * * under the * * Fair Credit Reporting Act ( FCRA ) * * and XXXX XXXX reporting guidelines. The following accounts and entries on my Experian credit report are either * * inaccurate * *, * * incomplete * *, or * * in violation of federal law * *, and must be * * deleted immediately * * : -- - # # # * * XXXX. REMOVE LATE PAYMENTS * * # # # # Accounts in Question : - * * XXXX XXXX BANK SS * * - * * XXXX XXXX XXXX * * These accounts contain late payment notations which : - Are * * unverified * * and * * inaccurately reported * * - * * Do not comply with XXXX XXXX * * format or furnish the appropriate * * Compliance Condition Codes ( XXXX ) * * - Violate multiple FCRA statutes including : - * * 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) * * Duty to report accurate information - * * 15 U.S. Code 1681i * * Duty to reinvestigate upon dispute - * * 15 U.S. Code 1666b * * Timely payment protections- * * 12 CFR 1026.13 * * Billing error resolution obligations These late payments are damaging, misleading, and appear to have been previously disputed without full reinvestigation. I demand their * * immediate deletion * *. 

-- - # # # * * XXXX. REMOVE ALL UNAUTHORIZED HARD INQUIRIES * * # # # # Inquiries in Question ( Dated XX/XX/year> ) : - * * XXXX XXXX XXXX  * * - * * XXXX XXXX XXXX * * - * * XXXX XXXX XXXX * * I have * * not authorized * * these hard inquiries and did not provide permissible purpose under * * 15 U.S. Code 1681b ( c ) * *. Reporting these inquiries without written authorization is a * * willful violation of the FCRA * * and must be corrected immediately. These entries are not associated with any signed application or initiated credit request from me.

-- - # # # * * FINAL NOTICE OF NON-COMPLIANCE * * If these items are not * * deleted within XXXX calendar days * *, I will proceed with the following actions : - File formal complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * * and * * Federal Trade Commission ( FTC ) * * - Notify my * * State Attorney General * * - Pursue legal action for : - * * Willful noncompliance * * under * * 15 U.S. Code 1681n * * - * * Negligent noncompliance * * under * * 15 U.S. Code 1681o * * - * * Actual and punitive damages * *, attorneys fees, and court costs This is a * * final attempt * * to resolve this matter amicably and directly. 

Sincerely, 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