Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. That is inconsistent and conflicts across reporting bureaus. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( of an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed. 
I demand that the following account be verified or removed immediately XXXX. XXXX XXXX - XXXX Violations of Consumer Protection Laws Fair Credit Reporting Act ( FCRA ) According to the FCRA, you are required to ensure the maximum accuracy of consumer information under 15 U.S.C. 1681e ( b ). Failure to verify the accuracy of these accounts violates this standard.

1.

Furthermore, under 15 U.S.C. 1681i, you are obligated to reinvestigate disputed information within 30 days. Any unverified or unverifiable information must be deleted immediately. 
Gramm-Leach-Bliley Act 15 U.S. Code 6802 As per this statute, financial institutions must obtain my explicit consent to disclose nonpublic personal information. The continued reporting of inaccurate and unverified data constitutes a breach of this requirement, as I have not given consent to share or disclose erroneous information about me.

2.

3. Consumer Rights Violations 2 of 7 Under federal consumer protection laws, I reserve the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. This includes accounts that are : Reported inaccurately or out of compliance with federal law. 
Unverified by the original creditor. 
Obsolete or containing outdated information. 
Notice of Warning for Any Delay in Processing by Credit Bureaus I am aware of your attempts to delay the processing of many consumer disputes and challenges based on your belief that some consumers are working with a third-party such as a credit repair company. Your delay is illegal, as it is the right of all consumers to work with such a company if they so choose, and you have no legal basis for delaying the processing of those letters. 
However, let me make it clear that my letters using were created using applicable software and regulations available to ALL consumers, and that this is your notice that ANY DELAY IN THE PROCESSING OF MY LETTERS IS A VIOLATION OF 15 U.S. Code 1681i, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute, and lists out the exceptions, and will be considered willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist

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