Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
This letter serves as a formal dispute regarding multiple inaccuracies on my Experian credit report. These accounts were previously disputed and verified, yet they contain clear reporting errors, conflicting information, and unverifiable data in violation of the Fair Credit Reporting Act ( FCRA ). As required by FCRA 611 ( a ) ( 5 ), any information that can not be verified with supporting documentation must be deleted immediately.

Disputed Accounts and Reporting Errors 1. XXXX XXXX XXXX ( Account XXXX ) Errors : Last activity date inconsistency : Experian reports XX/XX/XXXX, while past disputes indicated other conflicting dates. 

Incorrect payment history : Late payment markers exist despite proof of on-time payments.

FCRA Violations : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

2.

FCRA 611 ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation. 
XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Errors : Charge-off date discrepancy : Experian lists XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 

Balance errors : High balance is incorrectly reported as {$130.00}, conflicting with past reports. 


Possible re-aging of the debt, violating credit reporting timelines.

FCRA Violations : FCRA 605 ( a ) : Prohibits re-aging of debt.

FCRA 611 ( a ) ( 5 ) : Unverifiable information must be deleted. 

3. XXXX XXXX  ( Account XXXX ) Errors : Account status is incorrect, appearing as open despite prior closure. 
Inaccurate payment history, failing to reflect correct reporting data.

FCRA Violations : 4.

FCRA 609 ( a ) ( 1 ) : Right to accurate information.

FCRA 611 ( a ) ( 1 ) : Requires Experian to verify the accuracy of disputed data. 
XXXX XXXXXXXX XXXX ( Account XXXX ) Errors : Conflicting last activity dates across reports. 
Account closed inaccurately marked, affecting credit scoring algorithms. 
FCRA Violations : FCRA 623 ( a ) ( 1 ) : Furnishers must report accurate data.

FCRA 611 ( a ) ( 5 ) : Unverifiable data must be deleted. 

5. XXXX XXXX XXXX ( Account XXXX ) Errors : Collection amount and reporting details differ from prior investigations.

Account has been disputed before, yet Experian has failed to provide adequate verification.

FCRA Violations : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

FCRA 605B : If this is a case of mistaken identity or a mixed file, Experian must immediately block the inaccurate information.

Request for Method of Verification & Supporting Documentation Since Experian previously claimed to have verified these accounts, I am now demanding a detailed method of verification per FCRA 611 ( a ) ( 7 ), including : The name and contact information of the individual who verified the accounts.

All documentation provided by the data furnisher to support verification.

Copies of original signed agreements proving my liability for each disputed account.

Additionally, per 15 U.S. Code 1692g ( b ) ( FDCPA ), I request Experian obtain and produce the following documentation from the furnishers : -Forward Flow Agreement -Chain of Assignment -Purchase Agreement -Insurance Claim of Debt -My original signature agreeing to pay If Experian can not obtain and provide all of the above documentation, these accounts must be deleted immediately, as their accuracy and ownership are unverifiable.

Demand for Immediate Action I expect Experian to take the following actions in compliance with the FCRA:1. inaccuracies and failure to verify data.

Immediately delete the above accounts from my credit file due to the ongoing 2. Provide written confirmation of the deletion within 15 days to avoid further action.

3. 611 ( a ) ( 5 ).

Supply the method of verification used during prior disputes. If Experian can not provide actual documentation proving accuracy, the accounts must be deleted per FCRA Failure to comply will result in legal action under FCRA 616 and 617 for willful noncompliance, as well as formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

This is a formal dispute, not a request, and I expect immediate compliance.

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