Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX : XXXX DOB : XX/XX/XXXX SSN : XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute Demand for Legal Verification, Supporting Documentation, and Identification of Account Verifiers under FCRA & UCC To Whom It May Concern, This letter serves as a formal dispute of the following accounts appearing on my credit report. I am demanding full legal verification under the Fair Credit Reporting Act ( 15 USC 1681i, 1681s-2 ) and Uniform Commercial Code ( UCC 9-609 & 9-610 ). You are reporting the following accounts without sufficient documentation or lawful investigation : 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  These accounts have been marked in dispute, and I now demand a legally compliant reinvestigation and full documentation to support your continued reporting. 

LEGAL REQUIREMENTS : Under FCRA 1681i, you are required to conduct a reasonable investigation into each disputed account and remove anything that is inaccurate, incomplete, or unverifiable. Use of the automated e-Oscar system does not meet this requirement. 

Under FCRA 1681s-2 ( a ), furnishers of information are prohibited from reporting data they know or should know is inaccurate. 

DOCUMENTATION DEMANDS : For each account listed above, I am demanding : A copy of the original signed contract or application bearing my wet signature A complete itemized statement showing how the balance was calculated A chain of custody / flow sheet for each debt, showing all transfers of ownership For the XXXX repossession : Full repossession logs Notice of intent to sell Proof of sale and sale amount Full deficiency breakdown Documentation showing commercial reasonableness under UCC 9-610 ADDITIONAL FCRA DEMAND : For each disputed account, provide : The full name, title, and company of the individual who verified the account The method used to verify ( manual vs. automated ) Proof that the investigation was not conducted using e-Oscar A BILL OR SUMMARY IS NOT VERIFICATION Let me be extremely clear : A bill or statement is not legal validation A system-generated summary is not verification A letter stating the debt is valid without documentation is not legally compliant 30-DAY DEADLINE If you can not provide full documentation and verification within 30 days, you are required by law to : Immediately delete these accounts from my credit profile Confirm deletion in writing FAILURE TO COMPLY WILL RESULT IN : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A complaint to the Illinois Attorney General Civil litigation for FCRA and UCC violations, including defamation, negligence, and harm to my financial reputation This is your final notice. All future communication must be in writing only. 

Sincerely, XXXX XXXX XXXX DOB XXXX XX/XX/XXXX SSN : 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