Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
FINAL NOTICE DEMAND FOR PERMANENT DELETION XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | DOB : XX/XX/XXXX Date : XX/XX/XXXX To : - TransUnion XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX - Equifax Information Services LLC, XXXX. XXXX  XXXX, XXXX, GA XXXX- Experian, XXXX. XXXX XXXX, XXXX, TX XXXX This is your final notice. I am demanding the immediate and permanent deletion of the following unverified and unlawfully reported accounts : - XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX {$3100.00} Collection/Chargeoff - XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Closed/Chargeoff - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Balance Collection/Chargeoff - XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} Derogatory - XXXX  Acct # XXXX {$400.00} Collection/Chargeoff FACTS YOU CAN NOT DISPUTE : 1. You do not conduct lawful investigations. You rely solely on E-OSCAR automated codes, which the courtshave ruled insufficient ( XXXX v. TransUnion, XXXX XXXX XXXX ). 
2. Your furnishers can not produce original contracts or assignment documents establishing legal ownershipof these debts, violating 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ). 
3. Reporting {$0.00} balance accounts as derogatory ( XXXX XXXX ) is materially false, a violation of 15 U.S.C.1681e ( b ) and 1681a ( 4 ). 
4. Continued reporting constitutes willful violations of the FCRA and deceptive practices under the XXXX & XXXX. 
5. By XXXX and UCC 9-610628, debts that were securitized or sold can not legally remain on consumerreports. 
LEGAL CONSEQUENCES : - 15 U.S.C. 1681n & 1681o : You are liable for statutory, actual, and punitive damages. 
- XXXX XXXX XXXX : Failure to properly verify requires deletion. 
- FDCPA & FCRA violations expose your compliance officers to personal liability. 
DEMAND : - DELETE these accounts within 15 calendar days. 
- Provide me with updated reports reflecting permanent deletion. 
Failure to comply will result in immediate federal litigation against TransUnion, Equifax, and Experian, naming executives and compliance managers personally, along with formal complaints to the CFPB, FTC, and State Attorney General. 
This is not a reinvestigation request. This is a legal demand for deletion. You are on notice. 
Sincerely, ______________________________ XXXX XXXX XXXX Appendix A Proof of Identity Enclosed for verification are government-issued documents : - Alabama State ID No. XXXX, issued XX/XX/XXXX, exp. XX/XX/XXXX ( DOB : XX/XX/XXXX ) - Social Security Card SSN ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Social Security Card Image Attached ] [ Alabama State ID Image Attached ]

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