Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( Last Four ) : XXXXDOB : XX/XX/XXXX Date : XX/XX/XXXX To : Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  RE : Second Round Dispute Demand for XXXX XXXX and XXXX XXXX XXXX under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Experian Report Number : XXXX File ID : 01 To Whom It May Concern : This letter constitutes a formal second-round dispute concerning inaccurate tradelines reported on my Experian credit file. Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am exercising my right to request the method of verification and the ACDV ( Automated Consumer Dispute Verification ) record associated with each account previously marked as verified.

Your prior reinvestigation was insufficient and failed to provide transparency or evidence of proper verification. Therefore, I demand the following : 1. Accounts in Dispute Furnisher Account Number Business Info 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 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 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 XXXX XXXX XXXX XXXX XXXX Deficiencies Identified Charge-Off and delinquency updates appear to roll forward each month without evidentiary support. 
Conflicting payment amounts, dates, and balance data remain unsubstantiated. 
No supporting documentation has been furnished to validate continued reporting. 
3. Method of Verification & ACDV Record Requested For each of the above tradelines, I formally demand : A complete copy of the ACDV record transmitted to and received from each furnisher.

The name, title, and contact information of the individual at the furnisher who verified the information.

The date, time, and method used to verify the account ( e.g., E-Oscar system, email, phone ).

All documents and data reviewed, including account history, signed applications, billing statements, and screenshots.

A sworn affidavit or certification from the furnisher that attests to the accuracy of the reporting, performed in good faith and in compliance with Metro 2 reporting standards.

4. Legal Notice of Intent If Experian fails to provide the requested materials within XXXX calendar days, I will : Initiate a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies ; Pursue statutory damages of up to {$1000.00} per violation under FCRA 1681n ; Seek actual damages for credit denials, financial harm, and emotional distress ; Request attorneys fees, injunctive relief, and deletion of all unverified tradelines.

Continued reporting of unverifiable or inaccurate data after notice of dispute constitutes willful noncompliance under federal law.

I expect a full written response detailing the actions taken and copies of all records requested above. If you are unable to meet the verification requirements, you are legally obligated to delete the tradeline immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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