Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally disputing the reporting of the following derogatory and delinquent accounts on my consumer reports. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), you are required to conduct a reasonable reinvestigation of the disputed information and provide verification of its accuracy. 

The accounts in question are as follows : XXXX XXXX XXXX ( Reported by Equifax, Experian, and TransUnion ) Charge-Off XXXX XXXX XXXX  ( Reported by Experian ) Late Payments XXXX XXXX ( Reported by Experian ) Late Payments ( Paid Off ) XXXXXXXX XXXX XXXX  ( Reported by Equifax ) XXXX Upon reviewing my consumer reports from Equifax, Experian, and TransUnion , I have identified critical discrepancies regarding : The amounts owed reported by each credit bureau.

The date of first delinquency inconsistencies.

The date of last payment discrepancies.

The payment history, which does not match across the three credit bureaus. 
These inconsistencies indicate potential violations of your legal obligations under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports.

Demand for Validation & Investigation Under 15 U.S.C. 1681i, I demand : A complete validation and reinvestigation of the above-listed accounts, including the exact method and sources used to verify the information.

A full audit trail of how these accounts were verified, including correspondence with the data furnishers. 
Documentation proving that these accounts were reported with my explicit consent and permissible purpose under 15 U.S.C. 1681b.

Violation of Permissible Purpose & Reference to CFPB Lawsuit Additionally, I am fully aware of the ongoing lawsuit by the Consumer Financial Protection Bureau ( CFPB ) against Experian and Equifax regarding illegal credit reporting practices, including reporting inaccurate information without proper investigation and failing to ensure the accuracy of data reported by furnishers. 

This lawsuit, CFPB v. Experian Information Solutions , Inc., and Equifax Information Services , LLC, alleges violations of 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) and 15 U.S.C. 1681s-2 ( b ) for failing to correct inaccuracies in credit reports and misleading consumers. 

I also reference XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), where the court emphasized the duty of credit reporting agencies to conduct thorough investigations rather than simply relying on automated verifications from furnishers. 

If you can not substantiate the accuracy of these reported accounts with tangible evidence, they must be deleted from my credit file immediately under FCRA 1681i ( a ) ( 5 ) ( A ).

Legal Notice & Intent to Escalate Failure to comply with this lawful request within 30 days will result in the following : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursuing legal action under FCRA 1681n, which allows me to seek statutory damages, punitive damages, and attorneys fees. 
This letter serves as official notice under the FCRA. I expect a written response and results of your investigation within 30 days, as required by law.

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