Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
RE : Formal Dispute of Multiple Accounts Violations of FCRA 1681i, 1681e ( b ), 1681s-2 ( b ) To Whom It May Concern, This letter serves as a formal notice and dispute of multiple inaccurate, unverifiable, and outdated accounts currently reporting on my credit file. As a consumer, I am protected by the Fair Credit Reporting Act ( FCRA ) and am exercising my legal right to request a full reinvestigation, validation, and correction or deletion of the accounts listed below. 
The following accounts are in violation of XXXX or more sections of the FCRA : XXXX XXXX XXXXXXXX Reports XXXX XXXX late payment with inconsistent dates across bureaus High credit limit missing from Equifax Inconsistent reporting = Violation of 1681e ( b ) XXXX XXXX XXXX XXXX & XXXX Multiple XXXX late payments reported Marked dispute resolved, but derogatory info remains without verification Violations : 1681i ( a ), 1681s-2 ( b ), 1681e ( b ) Requires proof of account status and accurate late history XXXX XXXX XXXX Multiple Accounts XXXX, XXXX, XXXX Charge-offs still reporting from XXXX Accounts list high balances, charge-offs, or XXXX lates despite being paid or beyond reporting limits Violation of 1681c ( a ) outdated adverse information Violation of 1681e ( b ) continued reporting without updates or resolution Violation of 1681s-2 ( b ) failure to investigate or correct after dispute XXXX XXXX XXXX XXXX & XXXX Charge-offs showing while Equifax reports OK statuses Disputed and Charged Off comments remain unresolved Conflicting payment histories = Violation of 1681e ( b ) Failure to maintain maximum possible accuracy XXXX  XXXX Account shows " Paid in full for less than full balance '' on XXXX bureau, while still reporting as Collection/Chargeoff on another Balance of {$0.00} with past due {$7300.00} violates 1681e ( b ) Violation of 1681i failure to update info across all bureaus after payment XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX account lists XXXX day late and charge-off, another is paid but still showing derogatory marks Conflicting status : Paid + Late 90 Days violates 1681e ( b ) 1681i ( c ) : failure to clarify or remove inaccurate dispute results Data is misleading and harming consumer standing XXXX XXXX XXXX XXXXXXXX Collection account with no payment activity, unclear validation Reporting on XXXX and Equifax without proper documentation violates : 1681s-2 ( b ) : Data furnisher must provide proof of accuracy 1692g ( FDCPA XXXX XXXX Debt collector must validate debt upon dispute DEMAND FOR REINVESTIGATION In accordance with FCRA 611 [ 15 U.S.C. 1681i ], I am demanding that you : XXXX. Initiate a reinvestigation of each account listed above. 
XXXX. Obtain documentation from the original creditors or furnishers. 
XXXX. Delete or correct any data that can not be fully verified. 
XXXX. Provide me with a full written report of your findings within 30 days. 
ATTACHED : Copy of government-issued ID Proof of address Highlighted copy of credit report showing disputed accounts If these accounts can not be verified with complete and accurate information, they must be removed immediately as required by law.

Failure to comply may result in complaints to the CFPB, FTC, and possible civil litigation under 1681n and 1681o of the FCRA.

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