Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Representatives, This letter serves as a formal dispute, complaint, and final demand regarding multiple inaccurate, outdated, and unverifiable entries on my credit reports as of XX/XX/XXXX, obtained through XXXX. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and expect full resolution of these issues within the statutory 30-day period. 

Despite previous efforts, the following negative accounts continue to be improperly reported by all three credit bureaus. These discrepancies constitute gross negligence, failure to maintain accurate data, and a breach of your duties under federal law. The continued damage to my financial standing and family well-being is unacceptable. 

Summary of Disputed Items XXXX  XXXX Account # XXXX Issue : Equifax and TransUnion show late payments ( XXXX and XX/XX/XXXX ), but Experian reports a clean history. 

Violation : Inconsistent reporting violates FCRA 1681e ( b ). 

Requested Action : Validate with original documentation or remove the inaccurate late entries. 

XXXX XXXX  Account # XXXX Issue : XXXX, 30, and 60-day late entries reported inconsistently across bureaus with no documented basis. 

Violation : Unverifiable data and failure to maintain accuracy. 

Requested Action : Remove all unverifiable derogatory data or provide complete, consistent validation. 

XXXX XXXX XXXX Account # XXXX Issue : Account paid in full on XX/XX/XXXX, still listed as open and derogatory. 

Violation : Failure to update violates FCRA 1681s-2 ( a ) ( 2 ).

Requested Action : Immediately update to reflect " Paid in Full {$0.00} Balance '' or remove the account. 

Address Inaccuracies Issue : Obsolete and inconsistent addresses including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

Violation : Impedes proper identification and credit scoring. 

Requested Action : Remove all outdated/duplicate addresses and retain only current : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL Employment Records Issue : Outdated employers including " XXXX XXXX  XXXX XXXX XXXX " XXXX XXXX XXXX, '' and " XXXX XXXXL '' still listed. 

Requested Action : Remove all outdated employer records and reflect only current. 

Legal Standing & Next Steps Under FCRA 1681i, credit bureaus and furnishers have a legal duty to reinvestigate any disputed data and remove or correct unverifiable or inaccurate items. Your continued failure to ensure the maximum possible accuracy of my credit file violates : FCRA 1681e ( b ) Failure to maintain accurate information.

FCRA 1681s-2 ( a ) ( 1 ) ( B ) & ( 2 ) Furnishers duty to correct and update information.

FCRA 1681i ( a ) Duty to reinvestigate disputes within 30 days.

If these items are not deleted or fully corrected within 30 calendar days, I am prepared to take the following actions : File a formal complaint with the Federal Trade Commission ( FTC ) and state attorney general 's office. 

Pursue legal action in federal court for willful and negligent noncompliance under FCRA 1681n and 1681o, seeking actual and punitive damages, attorneys fees, and court costs.

Report this issue to consumer advocacy organizations and media outlets, as I am documenting the harm these reporting failures have caused to me and my family. 

Supporting Documents Enclosed : Government-issued photo ID Copy of credit report dated XX/XX/XXXX ( XXXX  ) Final Demand You are hereby formally notified to investigate and resolve these disputes immediately. If you are unable to verify any of the above-listed items with original signed contracts, full account history, and legally sufficient documentation, you must permanently delete the item from my credit file, as required by law. 

Thank you for your immediate attention to this matter. I expect a timely resolution and written confirmation of all corrections or deletions.

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