Consumer complaint received 2025-08-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX | SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Equifax Information Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Re : FINAL DEMAND Permanent Deletion of Accounts ( FCRA, FDCPA, UCC, & E-OSCAR Protocols ) This is my final factual basis dispute. Your XX/XX/XXXX investigation responses confirm you altered dates and balances but failed to furnish original contracts, borrower notes, or valid chain of title. Under XXXX XXXX XXXX XXXX and XXXX XXXX Trans Union, parroting furnisher data does not constitute a reinvestigation. 
I am demanding permanent deletion of the following accounts, which are unverifiable, inaccurate, or legally deficient. 
Account E-OSCAR Code Reason for Deletion Dept of EDXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Claims inaccurate information Impossible delinquency sequence ( XXXX late without XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Claims account closed Date manipulation, balance altered after charge-off, no chain of XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Claims inaccurate information Reports 30-day delinquency with no supporting payment history XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Claims account paid before charg e-offConflicting balance, current status while showing delinquency, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate reporting Duplicate/conflicting trade lines, paid through insurance but still XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account closed XXXX XXXX Inaccurate infoReports charge-off and closed simultaneously, inconsistent paym XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate reporting Reports unpaid balance after charge-off, inconsistent dates, unv XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Paid before charge-off Reports both open and closed status, contradictory high balance XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate reporting Debt buyer, no contract produced, no proof of assignment, unve XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate reporting Reports 90-day and 60-day lates simultaneously , contradictory XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Paid before charge-off Reported charged off while also listing current payment history XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX / # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate information Contradictory closed by consumer remarks and delinquency re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate reporting Charge-off without supporting delinquency history, no contract p Final Legal Basis : FCRA 1681i Failure to conduct a reasonable reinvestigation. 
FCRA 1681e ( b ) Failure to ensure maximum possible accuracy. 
FCRA 1681s-2 ( b ) Furnishers provided no proof.

FDCPA 807 & 808 False, deceptive reporting.

UCC 9-6109-628 No evidence of lawful assignment. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Deletions mandated when no original documentation is provided. 
I demand immediate permanent deletion of all accounts listed above within 15 days of receipt. If you continue to report unverifiable information, I will file suit in federal court for damages under 15 U.S.C. 1681n, 1681o, plus attorneys fees and punitive damages. 
This is your final opportunity to comply before litigation. 
Respectfully, XXXX XXXX Consumer Factual Basis Dispute Encl : Government ID & Social Security Verification

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