Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX, LA XXXX XXXX Last XXXX of XXXX : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To XXXX XXXX | Experian | XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Second Dispute Demand for Removal of Inaccurate Reporting and Correction of Payment History FCRA Violations I am submitting this formal second dispute regarding inaccurate, unverifiable, and misleading information being reported under my credit profile. This complaint follows previous disputes, including CFPB complaints, where Equifax has complied but Experian and TransUnion have failed to properly update or correct my records. 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) to demand an immediate correction and deletion of inaccurate items. 
Accounts In Dispute : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Issues Identified : Inaccurate and unverifiable charge-off and derogatory statuses. 


Late payments ( 30, 60, 90 days ) that were never properly validated or corrected. 


Failure to conduct a lawful and reasonable investigation as required under FCRA 1681i. 


Continued reporting of inaccurate and incomplete information in violation of FCRA 1681s-2 ( b ). 


Formal Demands : Immediate deletion or full correction of all late payments and derogatory remarks. 


Payment histories must reflect " Pays as Agreed '' with no delinquencies. 


All charge-offs and negative notations must be deleted completely from Experian, XXXX XXXX XXXX files XXXX 


Confirmation of corrections in writing. 


Action must be taken within 4 business days, not 30 days, because this is a second dispute where the inaccuracy remains unresolved and now triggers expedited reinvestigation rights under FCRA 611 ( a ) ( 5 ) ( A ).

Legal Basis : FCRA 1681i ( a ) ( 5 ) ( A ) : If disputed information is found inaccurate or unverifiable, it must be deleted within the reinvestigation period.

FCRA 1681s-2 ( b ) : Information furnishers must correct and update information that is determined to be inaccurate.

Failure to properly respond may result in liability under FCRA 1681n and 1681o for willful and negligent noncompliance.

E-Oscar Instructions : Use Deletion Code 001 ( " Delete Account Information '' ) for all unverifiable or inaccurate accounts.

Use Correction Code 012 ( " Change Payment History Profile to Current/Pays As Agreed '' ) for late payment reversals.

Failure to comply will result in escalation to the Federal Trade Commission ( FTC ), State Attorney General, and formal civil action seeking statutory damages, punitive damages, attorneys fees, and any other relief deemed appropriate. 
This letter serves as your final notice prior to full-scale legal action. 
Sincerely, XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XXXX 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