Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Date : [ XX/XX/XXXX ] Experian Information Solutions , Inc . 
P.O. XXXX XXXX XXXX, TX XXXX Re : THIRD DISPUTE Willful Non-Compliance and Inaccurate/Incomplete Reporting Demand for Deletion and Method of Verification To Whom It May Concern, This is my third written dispute regarding multiple inaccurate, duplicative, and misleading accounts on my Experian consumer report. Despite my prior disputes, the same defects remain. This reflects willful non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Regulation V ( 12 C.F.R. Part 1022 ).

Under 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) you must follow reasonable procedures to assure maximum possible accuracy. Under 611 (
15 U.S.C. 1681i ) you must conduct a reasonable reinvestigation, delete or correct information that is inaccurate, incomplete, or can not be verified ( 1681i ( a ) ( 5 ) ), and provide the method of verification with furnisher contact details ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ). Furnishers have duties under 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) after you notify them of my dispute, and original DOFD reporting is required by 623 ( a ) ( 5 ). Items that can not be verified must be deleted. 
Below are the specific tradelines and defects visible on the reports you verified as current in XX/XX/XXXX. For each, I demand deletion. If you refuse, provide the complete method of verification and the original-creditor XXXX documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX shows Account charged off. {$1300.00} written off, Status updated : XX/XX/XXXX, yet Balance updated : XX/XX/XXXX and {$1300.00} past due as of XX/XX/XXXX. This suggests re-aging and a false new delinquency years after charge-off, which is misleading and violates 1681e ( b ).

Payment history contains long stretches of XXXX XXXX XXXX XXXX, inconsistent with your claim of current verification. Incomplete and misleading under 1681e ( b ) and 1681i. 
Requested Action : Delete. If not, provide XXXX and full method of verification, including Metro 2 fields relied on. 
XXXX XXXX Account XXXX. XXXX Account charged off. {$1000.00} written off, Status updated : XX/XX/XXXX, Balance updated : XX/XX/XXXX, and continuous CO codes across XXXX. Repeated monthly CO updates after charge-off create rolling delinquencies and distort the XXXX. Violates 1681e ( b ) and 1681i. 
Highest Balance equals charge-off while Terms/Monthly Payment are yet grid shows ongoing derogatories. Internally inconsistent and incomplete. 
Requested Action : Delete or provide full method of verification and XXXX  documentation. 
XXXX XXXX Account No. XXXX XXXX updated : XX/XX/XXXX, but Balance updated : XX/XX/XXXX, with continuous CO and ND mix. Updating balance in XXXX without updating status is internally inconsistent and misleading ( 1681e ( b ) ).

Provide the original XXXX  used for obsolescence under 605 ( a ). If not
documented from the OC per 623 ( a ) ( 5 ), delete under 1681i ( a ) ( 5 ).

Requested Action : Delete or provide method of verification and XXXX XXXX records. 
XXXX XXXX Account No. XXXX Payment History Guide shows contradictory ranges ( e.g., Charge Off as of XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX and Collection as of XX/XX/XXXX to XX/XX/XXXX ). These contradictions are inaccurate/misleading ( 1681e ( b ) ). 
Status updated : XX/XX/XXXX while Balance updated : XX/XX/XXXX and ongoing derogatories thereafter. Time-stamp conflict makes the file incomplete and misleading ( 1681e ( b ), 1681i ).

Requested Action : Delete. 
XXXX XXXX Account No. XXXX Status updated : XX/XX/XXXX, Balance updated : XX/XX/XXXX, with CO in XXXX XXXX and again CO in XXXX XXXX, plus long ND gaps. This appears to manufacture multiple charge-off events for XXXX account, which is inaccurate and misleading ( 1681e ( b ), 1681i ). 
XXXX XXXX XXXX XXXX XXXX CO ranges. 
Requested Action : Delete. 
XXXX XXXX Account No. XXXX Status updated : XX/XX/XXXX, Balance updated : XX/XX/XXXX, {$3400.00} past due as of Oct 2025 years after charge-off. Indicates re-aging or new delinquency chain without new credit. Misleading and inaccurate ( 1681e ( b ) ) ; delete if DOFD from the OC can not be documented ( 623 ( a ) ( 5 ) ; 1681i ( a ) ( 5 ) ). 
Payment grid shows mostly ND across XXXX yet you claim recent verification. 
Requested Action : Delete. 
FAIR COLLECTIONS & OUTSOURCING Account No. XXXX Report lists the account as Joint with XXXX XXXX XXXX, XXXX XXXX DIAL. I have no joint account for this alleged debt. This is a mixed-file/false association, violating XXXX ( b ) and XXXX. 
Status updated : XX/XX/XXXX with monthly C through XXXX, but ND in XX/XX/XXXX before returning to XXXX Erratic/internally inconsistent grid is misleading. 
Provide original-creditor XXXX  used for obsolescence ( 623 ( a ) ( 5 ) ). If not available, delete ( 1681i ( a ) ( 5 ) ).

Requested Action : Delete. 
PORTFOLIO RECOVERY ASSOCIATES ( Debt Buyer ) Account No. XXXX Debt-buyer tradeline shows continuous monthly C collection codes XXXX with ND gaps, creating fresh monthly derogatories years after the original default. Reporting must reflect the original XXXX, not rolling delinquencies. Misleading under 1681e ( b ).

Provide original-creditor XXXX  documentation ( from the OC, not PRAs internal notes ) per 623 ( a ) ( 5 ) or delete under 1681i ( a ) ( 5 ).

For prior verification, provide the furnisher investigators name/department/phone and the specific records reviewed, as required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

Requested Action : Delete. 
XXXX XXXX XXXX Account No. XXXX XXXX updated : XX/XX/XXXX, Balance updated : XX/XX/XXXX, with repeated CO codes across XXXX and legacy check-mark/ND artifacts. Internally inconsistent and misleading ( 1681e ( b ) ).

Provide original-creditor DOFD and the source files used for the payment-history grid. If DOFD can not be documented, delete ( 1681i ( a ) ( 5 ) ). 
Requested Action : Delete. 
XXXX XXXX XXXX Account No. XXXX ( Duplicate of XXXX ) Same creditor, same balance ( {$1900.00} ), same open date ( XX/XX/XXXX ), same Status updated : XX/XX/XXXX, and same derogatory pattern as XXXX, but with a different account number and Terms : 84 Months. This is a duplicate tradeline that overstates derogatory history and harms my score. Violates 1681e ( b ) and must be deleted under 1681i ( a ) ( 5 ). Persistence of this dupl
icate after prior disputes shows willful non-compliance ( 1681n ).

Requested Action : Immediate deletion and written confirmation.

Global Violations Implicated 1. 607 ( b ) / 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy ( contradictory time-stamps, inconsistent payment histories, duplicate Suncoast tradeline, mix
ed-file association on FCO ).

2. 611 / 15 U.S.C. 1681i Failure to reasonably reinvestigate ; failure to delete unverifiable or inaccurate information ; failure to provide full method of verification.

3. 611 ( c ) / 1681i ( c ) Any item returned verified must display my dispute ; failure to do so violates 1681i ( c ).

4. 623 ( b ) Furnisher duties after notice from Experian; continuing to furnish contradictory, re-aged, or duplicate data is unlawful. 
5. 623 ( a ) ( 5 ) Failure to accurately report and retain the original Date of First Delinquency ( DOFD ).

6. 605 ( a ) Obsolescence depends on the true DOFD ; rolling derogatories and contradictory grids distort the obsolescence period.

7. 1681n and 1681o Willful or negligent non-compliance creates liability for statutory, actual, and punitive damages and attorneys fees. 
Demands Delete every tradeline listed above under 1681i ( a ) ( 5 ).

For any item you refuse to delete, provide the complete method of verification, including : ( a ) the name, physical address, and direct phone/email of the furnishers investigator ; ( b ) the exact documents relied upon ( original signed agreements, billing statements establishing DOFD, payment-history source files ) ; and ( c ) the Metro 2 fields transmitted XXXX Account Status, Payment Rating, Payment History Profile, Compliance Condition Codes ) and dates/versions of those transmissions.

Send updated results and an updated consumer report to me and to any recipient of my report within the past six months ( 1681i ( d ) ). 
Preserve all dispute logs, ACDV/e-OSCAR communications, recordings, and internal notes for litigation hold. 
If Experian does not fully comply within 30 days of receipt, I will escalate to the Consumer Financial Protection Bureau and consider all remedies available under 1681n and 1681o.

I certify under penalty of perjury that the above statements are true to the best of my knowledge. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copies of Experian screenshots reflecting the errors listed above!

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