Consumer complaint received 2025-04-14 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:
Re : LEGAL NOTICE Account Dispute under the Fair Credit Reporting Act ( FCRA ), FDCPA, CARES Act, and Ongoing Class Action Allegations To Whom It May Concern, This letter is a formal dispute and legal demand under the Fair Credit Reporting Act ( 15 U.S.C 1681 et seq ), the Fair Debt Collection Practices Act ( 15 U.S.C 1692 ), and the CARES Act 4021, regarding multiple inaccurate, unverifiable, and illegally reported accounts appearing on my TransUnion credit report.

Furthermore, I am aware of the ongoing lawsuits against TransUnion, as well as those against Experian and Equifax, for consistent violations of the FCRA, including but not limited to : * Failing to correct inaccurate data * Continuing to report unverifiable information * Blocking legitimate disputes * Mishandling consumer information These lawsuits establish a precedent that credit bureaus will be held legally accountable, and I reserve the right to join any current or future class action litigation if my rights continue to be violated.

1. Collections REMOVE WITHIN 72 HOURS UNDER 15 U.S.C 1692c ( c ) All accounts listed below are disputed as inaccurate and unverifiable. I am demanding their removal within 72 hours. 
Disputed Collections : * XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$170.00} * XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) {$530.00} * XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$1800.00} * XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) {$1300.00} As per 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692c ( c ), if the debt can not be validated in writing with an original contract bearing my signature, it must be immediately removed. No further reporting or collection attempts are authorized under federal law.

2. XXXX XXXX REMOVE OR VERIFY UNDER FCRA + TILA DEPT OF ED / XXXX $ XXXX DEPT OF ED / XXXX CLOSED I hereby invoke my rights under : * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to investigate disputed data * CARES Act 4021 Reporting protections during the national emergency * Truth in Lending Act Requirement to produce original loan documents If no original wet-ink Promissory Note can be produced, this debt is not legally valid, and must be removed. Reporting unverifiable student debt violates federal law.

3. Auto Loan FALSE LATE PAYMENTS VIOLATION ALLY FINANCIAL {$2200.00} ( Listed as Negative ) I dispute all late payments reported. I have never been late, and your report is in violation of : * 15 U.S.C. 1681e ( b ) Obligation to report with maximum accuracy * 15 U.S.C. 1681i ( a ) Requirement to investigate disputes * FCRA 623 ( a ) ( 1 ) ( A ) Duty not to report inaccurate information * FCRA 623 ( a ) ( 2 ) Obligation to promptly correct any errors Unless Ally Financial can provide documentation of payment history, these late notations must be removed immediately.

Legal Authority & Consumer Rights As referenced in recent class action lawsuits, TransUnion, Experian, and Equifax have been found liable for : * Failing to properly respond to disputes * Reporting debts without proper verification * Mishandling consumer complaints and information If you continue to report false or unverifiable information, I will : * File complaints with the CFPB, FTC, and Florida Attorney General * Seek legal counsel for monetary damages under 15 U.S.C 1681n/o * Join any class action suits against your agency Relief Requested : 1. Immediate deletion of all disputed collection accounts 2. Verification or deletion of student loan debt 3. Removal of false late payments from the auto loan account 4. Written confirmation that the requested actions have been taken

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