Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
FTC/FCRA DISPUTE LETTER 15 U.S.C. 1681c-2 + Case Law Subject : Formal Dispute & Request for Block/Deletion of Inaccurate Information Authority : FCRA 15 U.S.C. 1681c-2, 1681i, 1681s-2 ; XXXX XXXX XXXX XXXX XXXX XXXX , and related case law To Whom It May Concern : I am filing this formal dispute regarding inaccurate, unverified, and unauthorized information appearing in my consumer file. I am invoking my rights under the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2 ( blocking information ), 1681i ( reinvestigation ), and 1681s-2 ( furnisher responsibilities ).

This dispute relates specifically to information reported about me by : XXXX XXXX XXXX ( furnisher ) Experian ( consumer reporting agency ) XXXX XXXXXXXX ( reseller CRA Report ID : XXXX ) Based on the documentation provided, the reported information is inaccurate, incomplete, unverifiable, and does not meet the requirements of the FCRA. 

1. Demand for Block/Removal 15 U.S.C. 1681c-2 Under 1681c-2, a CRA must block and remove any information that : Is a result of identity theft, mixed files, misattribution, or inaccurate furnishing ; Can not be verified by the furnisher within the statutory time limits ; Is disputed with a valid identity discrepancy. 



The information reported by XXXX XXXX XXXX ( Sub # XXXX ), XXXX XXXX ( Sub # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( Sub # XXXX - YC ), XXXX XXXX XXXX XXXX ( Sub # XXXX - XXXX ), XXXX XXXX XXXX ( Sub # XXXX - XXXX ) and subsequently sold to XXXX/Experian falls into these categories because : Canvas, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has not verified the reporting. 

XXXX  XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX refused to provide documentation supporting the continued reporting. 

XXXX acknowledged that information may originate from third-party or public sources that can not be guaranteed for accuracy. 

The information causes harm and does not represent an accurate account history. 



Since the furnisher has not supplied verification, the item must be blocked.

2. Demand for Reinvestigation 15 U.S.C. 1681i You are required to conduct a reasonable reinvestigation, including : Obtaining written verification from the furnisher Confirming the accuracy, completeness, and legal basis of the reporting Providing me with the method of verification Failure to obtain verification requires deletion of the item.

3. Furnisher Liability 15 U.S.C. 1681s-2 XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX as a furnisher, must not : Report information with actual knowledge of errors Continue reporting information that is in dispute Fail to correct or delete information that can not be verified XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX refusal to correct or update inaccurate data is a violation of 1681s-2 ( b ). 
XXXX. Supporting Case Law XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX, courts held that : A CRA or reseller must conduct meaningful reinvestigation Unverified information must be removed Third-party errors do not excuse inaccurate reporting XXXX disclaimer states that it can not guarantee accuracy of its data sources, which reinforces the need for deletion if verification is not produced. 

XXXX. Items I Am Disputing The disputed items include, but are not limited to : XXXX XXXX XXXX ( Sub # XXXX ), XXXX XXXX ( Sub # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( Sub # XXXX - YC ), XXXX XXXX XXXX XXXX. ( Sub # XXXX - XXXX ), XXXX XXXXXXXX XXXX ( Sub # XXXX - XXXX ) Any collection or negative remark tied to The information reported by XXXX XXXX XXXX ( Sub # XXXX ), XXXX XXXX ( Sub # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( Sub # XXXX - YC ), XXXX XXXX XXXX XXXX ( Sub # XXXX - XXXX ), XXXX XXXX XXXX ( Sub # XXXX - XXXX ) Any inaccurate personal information, including outdated addresses Any negative data XXXX obtained from Experian or third-party sources that has not been verified These items are inaccurate and damaging and must be removed. 

6. Required Action Under the FCRA, you must : Block the disputed information under 1681c-2 Conduct a complete reinvestigation Delete or correct any item that can not be verified Provide written confirmation of the results Provide the furnishers method of verification Notify all CRAs that received the data You must respond within the timeframe required by law.

Failure to comply will result in : Filing a formal complaint with the FTC, CFPB, and State Attorney General Filing a civil claim for actual, statutory, and punitive damages under 15 U.S.C. 1681n & 1681o

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