Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FORMAL NOTICE OF DISPUTE, DEMAND FOR DELETION, NOTICE OF FCRA VIOLATIONS, AND NOTICE OF INTENT TO FILE SUIT Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> To Whom It May Concern : This correspondence serves as a formal legal notice regarding the inaccurate, misleading, incomplete, and unverifiable reporting of the above-referenced account currently appearing on my consumer credit reports. I previously disputed this account with your agency. Despite receiving notice of dispute, you continued reporting the tradeline without correcting the material inaccuracies and inconsistencies associated with the account. Your prior investigation results are disputed and rejected. The tradeline currently reports an alleged charge-off and approximately {$29000.00} written off, while simultaneously reporting incomplete and inconsistent account information, including but not limited to missing or blank balance fields, incomplete payment information, and materially misleading account reporting. Your continued reporting of this account raises serious concerns regarding violations of the : * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. * 15 U.S.C. 1681i ( a ) Failure to conduct a lawful and reasonable reinvestigation after receiving notice of dispute. * 15 U.S.C. 1681i ( a ) ( 6 ) - ( 7 ) Failure to provide adequate disclosure regarding the method of verification and investigation procedures used. * Reporting materially misleading and incomplete information to third parties. The reporting of a charged-off account while critical account fields remain incomplete, inconsistent, blank, or unverifiable constitutes deceptive and misleading reporting and calls into question whether any reasonable reinvestigation occurred at all. Accordingly, I hereby demand the following : 1. Immediate deletion of this tradeline from my consumer reports ; 2. A complete reinvestigation of this account ; 3. Written disclosure of the method of verification used ; 4. Identification of every party, database, and document relied upon during your investigation ; 5. Copies of all documents allegedly verifying this tradeline, including : * Original signed contract ; * Complete payment history ; * Charge-off accounting records; * Date of first delinquency ; * Proof of ownership and authority to report ; * Metro 2 compliance documentation. Please also consider this letter a formal preservation-of-evidence notice. You are instructed to preserve all documents, communications, e-Oscar records, investigation notes, electronic records, and internal communications related to this account and all prior disputes. If this account is not permanently deleted within seven ( 7 ) days of receipt of this notice, I am prepared to pursue all available legal remedies available to me under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and initiating litigation for negligent and/or willful noncompliance with the FCRA. Please be advised that litigation exposure for willful FCRA violations, reputational harm, emotional distress, denial of credit opportunities, and related damages may subject your agency and all liable parties to claims up to {$25000.00} or more, in addition to court costs, attorney fees, punitive damages, and all other relief permitted by law. Nothing in this correspondence shall be construed as an admission of liability or acknowledgment of the alleged debt. Govern yourselves accordingly.

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