Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dispute of Inaccurate Information and Demand for Immediate Deletion Under Consumer Protection Laws I am writing to formally dispute certain items on my credit report that I believe are being reported inaccurately and in violation of state and federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The collection accounts reported against me, as outlined below, appear to violate my rights under these consumer protection laws. Therefore, I demand the immediate deletion of the following items from my credit report due to the lack of substantiated and verifiable documentation. 
Account that are in question are as follow : XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the XXXX  XXXX - XXXX, XXXX XXXX XXXX  - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX appearing on my Equifax, Experian XXXX and TransUnion reports. XXXX XXXX is reporting inconsistent dates of first delinquency and balances across the three bureaus, violating FCRA 607 ( b ).

Under FCRA 611 ( a ), I have the right to verification. XXXX XXXX has failed to provide a signed agreement or complete payment history. Per 15USC 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted. Please remove this account immediately.

Additionally, I bring attention to serious public and legal concerns related to XXXX XXXX 's conduct : A {$420.00} million settlement was proposed in XX/XX/XXXX, with {$300.00} million allocated for lost interest and {$120.00} million for ongoing consumer harm. 
The New York Attorney General also sued XXXX  XXXX in XX/XX/XXXX for bait-and-switch marketing practices that cost consumers millions in unrealized savings. 
These lawsuits indicate a pattern of systemic deception and consumer harm that raises further doubt about the integrity of XXXX XXXX  credit reporting practices. 
Given these serious and ongoing legal issues, I am formally requesting the permanent deletion of this XXXX XXXX account from all three credit bureaus. If this inaccurate and unverifiable account is not removed, I will explore legal action under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
To summarize : 1 of 12 1. The account contains inconsistent and unverifiable reporting across the three bureaus. 
XXXX. XXXX XXXX has failed to provide a signed contract or full payment history. 
3. The company is currently involved in multiple federal and state lawsuits over deceptive practices.

4. Under FCRA 607 ( b ), 611 ( a ), and 15 USC 1681i ( a ) ( 5 ) ( A ), this account qualifies for immediate deletion. Failure to act will result in further complaints to the CFPB, FTC, State Attorney General, and initiation of legal proceedings. Thank you for your prompt attention to this matter This letter serves as notice that XXXX XXXXXXXX XXXX XXXX ( Account # XXXX # ) is reporting inaccurate late payment information to Experian. The account reflects XXXX  days late for XX/XX/XXXX, and XXXX  days late for XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. This pattern of reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which requires furnishers to report complete and accurate information, and the Fair Credit Reporting Act 1681i ( a ), which mandates reinvestigation and correction of disputed data. Late payments must be reported in a progressive sequence ( XXXX, XXXX, XXXX, XXXX  days late ), not repeating the same status over consecutive months. Due to repeated disputes without correction, this constitutes continued reporting of false data and noncompliance with federal law. I am therefore requesting permanent removal of this inaccurate account information. Failure to correct and delete this data will result in legal action for willful noncompliance under the FCRA, subject to damages pursuant to 15 U.S.C. 1681n and 1681o. 
This correspondence serves as a formal dispute regarding multiple XXXX  XXXX accounts XXXX  XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), XXXX  XXXX ( XXXX ), and XXXX  XXXX ( XXXX ) all of which are reporting inaccurate and inconsistent late payment information on my credit report. The reporting patterns violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers to provide accurate and complete information, and 15 U.S.C. 1681i ( a ), which requires reinvestigation and correction of any disputed data.

These accounts reflect repeated late statuses that are not reported in the proper progression ( 30, 60, 90, 120 days ), which misrepresents my payment history and damages my credit standing. In addition, these accounts were previously deleted and later reinserted without proper written notification within five business days, a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

I have made several previous requests for correction and deletion of these inaccuracies, but they remain unresolved. Therefore, I am requesting permanent removal of these accounts from all credit bureaus. If these inaccurate items are not removed within 10 days, I will pursue arbitration and legal action against XXXX XXXX and all three credit reporting agencies for continued noncompliance, negligent and willful reporting of false information, and reinsertion without required notice, as permitted under FCRA 1681n and 1681o.

These accounts are causing direct and measurable harm by preventing me from obtaining mortgage approval and purchasing a home, which further supports my claim for damages under federal law.

INQUIRIES : Under FCRA Section 1681i, I request that you investigate these disputed items and correct or remove them within 30 days of receiving this
letter. If you are unable to substantiate these entries with proper verification and supporting documentation, I demand that these items be immediately deleted from my credit report.

Further, per FDCPA Section 809, debt collectors must provide full validation and verification of any debt upon request. If you can not provide such verification for the disputed accounts, you are prohibited from reporting them on my credit report.

15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) states that if a consumer notifies a debt collector in writing that they refuse to pay a debt, the collector must cease all further communication, except to notify the consumer of specific actions, such as filing a lawsuit. 
Additionally, I want to emphasize the legal implications of failing to comply with these laws. I will impose a {$1000.00} fine for each inaccurate or unverified claim you continue to report, as permitted under applicable consumer protection laws. 
If these items are not removed immediately, I will pursue litigation to protect my rights. Legal precedents, such as XXXX v. TransUnion LLC and XXXX v. F.D.I.C., show that consumers have successfully sued credit bureaus for reporting inaccurate information, and I will not hesitate to do the same if my rights are violated further. 
The FCRA mandates that all information reported on consumer credit reports must be complete, accurate, and verifiable. If any data is disputed, it must be proven by the reporting agency to be correct and substantiated. Your failure to properly verify these reports constitutes a violation of FCRA Section 1681i, and I demand the immediate deletion of these items from my credit report.

I do not grant you the authority to report any claims against me without adequate compliance with all applicable federal and state laws. Should you continue to report inaccurate or unverified claims, you will be subject to a {$1000.00} fine for each violation, as well as potential legal action to recover any damages caused by the unlawful reporting. 
Furthermore, as required by common law, you must demonstrate the ability and willingness to verify and validate every aspect of the allegations being reported. Any failure to do so will result in legal action to remove the claims and recover damages

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