Consumer complaint received 2025-06-14 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 XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX FINAL WARNING BEFORE LEGAL ACTION 15-DAY DEMAND TO DELETE INACCURATE ACCOUNTS To Whom It May Concern, This is a formal dispute letter under the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ). I am demanding the immediate deletion of multiple accounts from my credit file that are reporting inconsistent, outdated, or inaccurate information across Experian, Equifax, and TransUnion.

VIOLATION OF UNIFORM REPORTING STANDARDS Federal law mandates that consumer information be accurately reported and consistent across all credit bureaus. The following accounts report different statuses, balances, comments, payment history, and dates across each bureaumaking them legally disputable and unverifiable.

Attached to this letter is a breakdown of each disputed account showing the discrepancies between credit bureaus. These conflicts violate my right to accurate and uniform credit reporting and represent willful noncompliance with federal law.

DO NOT USE E-OSCAR You are explicitly forbidden from processing this dispute through e-OSCAR. A manual investigation is required by law. e-OSCAR has proven incapable of performing substantive reinvestigations, and its use will be seen as noncompliance. 

ACCOUNTS TO BE DELETED IMMEDIATELY : XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX Each of these accounts contains errors in reporting status, comments, activity dates, or closure information, and inconsistent labeling across bureaus. For example : Some are marked Paid in Full by one bureau and Charge-Off by another.

Some list different dates of last activity or final payment.

Others show Current while being marked Derogatory elsewhere.

That is clear evidence that these items are not being properly verified, nor reported in compliance with FCRA.

LEGAL ACTION PENDING If you fail to remove these accounts and correct my credit report within 15 days, I will pursue all remedies available under the law including : A formal lawsuit under 15 USC 1681n and 1681o Claims for actual damages, punitive damages, and attorneys fees CFPB and FTC complaints for noncompliance Exposure of your bureau 's handling to public watchdogs and legal advocates Im fully aware of the recent lawsuits, fines, and consent orders against all three major credit bureaus for misleading consumers, failing to investigate properly, and mishandling disputes.

I will not be the next victim of your noncompliance.

YOU MUST : Delete all 10 accounts across all three bureaus Provide documentation showing how each item was verified Provide written confirmation of deletions within 15 calendar days Include name, contact, and method of verification for each reinvestigation Sincerely, XXXX XXXX XXXX Enclosures : Copy of drivers license Highlighted credit reports showing inconsistencies per bureau Detailed side-by-side breakdown of each disputed account

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