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, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX TO : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute and Demand for Investigation Unverified & Improperly Reported Accounts To Whom It May Concern, This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple accounts currently being reported on my Experian credit file. These accounts are being reported as charge-offs or repossessions, yet either : Have been sold to another party ( no longer legally owned by the furnisher ), Are missing proper documentation, and Have not been legally validated or verified. 
Accounts I Dispute : XXXX Account XXXX XXXX XXXXXXXX Charge-Off {$1400.00} XXXX  Account XXXX XXXX XXXX Charge-Off {$160.00} XXXX XXXX Account XXXX XXXX XXXXXXXX Repossession {$6200.00} XXXX  Account XXXX XXXX XXXXXXXX Repossession {$0.00} Grounds for Dispute : These accounts are being reported without meeting the legal requirements for accurate and verifiable information, including but not limited to : Chain of ownership and legal right to report the debt Repossession compliance documents : Notice of Default Notice of Right to Cure Notice of Sale Post-sale Deficiency Letter IRS 1099-C forms for any charged-off accounts Contractual agreements and payment ledgers If the original creditor or collector no longer owns the debt, they do not have the legal authority to continue reporting the balance which constitutes double reporting and a direct violation of FCRA 623.

Improper Verification Sending a letter that simply states the account has been verified is not sufficient.

I am demanding that Experian not use e-OSCAR to process this dispute and instead perform a full manual investigation, including : Identifying who verified the debt Providing all documents used to verify it Ensuring all data is accurate and lawfully reportable I Am Demanding : A complete reinvestigation of each account Deletion of any account that can not be fully validated A written response with the results of your investigation within 30 days, as required by FCRA Legal Basis for My Dispute : FCRA 1681i Right to a reasonable investigation FCRA 623 Furnishers must report accurate and verifiable data FDCPA 809 Debt must be validated on request UCC 9-611 to 9-616 Repossession process and deficiency balance rules IRS Code 6050P Requirement to issue a 1099-C if a debt is canceled If you fail to remove or properly verify these items, I will escalate this matter with formal complaints to the Consumer Financial Protection Bureau ( CFPB ) , Federal Trade Commission ( FTC ) , and the Illinois Attorney General.

This is not a refusal to pay, but a formal, law-backed request to ensure only verified and legally reportable items remain on my credit profile. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : 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