Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am disputing the accuracy, completeness, and legality of the following negative accounts currently appearing on my Experian credit file under the name XXXX XXXX XXXX : DEPT OF EDUCATION / XXXX Account # XXXX showing XXXX late payments with balances of {$3600.00} and {$6200.00} ( both reported as open, deferred, with payments not due until XX/XX/XXXX ). Reporting late payments on deferred student loans is factually inaccurate and constitutes misreporting. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX {$560.00}. No proper debt validation has been provided as required under 15 U.S.C. 1692g. 

XXXX XXXX XXXX XXXX Account # XXXX Balance {$1500.00}. Reported without validation in violation of 15 U.S.C. 1692g. 

XXXX XXXX XXXX XXXX Account # XXXX Balance {$840.00}. No legal validation or chain of title provided. 

XXXX XXXX Unsecured Account # XXXX Balance {$1100.00}, marked as past due. The status conflicts with reported terms and payment history. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand the immediate deletion of these accounts. 

The Consumer Financial Protection Bureau v. Experian Information Solutions , Inc. ( Case No. XXXX, filed XXXX XXXX, XXXX ) has already established that Experian has repeatedly and systematically violated the law by : Failing to conduct reasonable reinvestigations ( 1681i ( a ) ( 1 ) ( A ) ).

Failing to forward all relevant consumer-provided documentation to furnishers ( 1681i ( a ) ( 2 ) ( A ) ).

Mischaracterizing disputes and applying incorrect dispute codes.

Refusing to reinvestigate hard inquiries.

Deleting tradelines without proper investigation, then improperly reinserting them ( 1681i ( a ) ( 5 ) ( B ), ( C ) ).

Failing to provide clear, accurate reinvestigation results ( 1681i ( a ) ( 6 ) ( A ) ).

Failing to assure maximum possible accuracy ( 1681e ( b ) ).

Engaging in unfair, deceptive, and abusive practices ( 12 U.S.C. 5531 ( c ) ).

Additionally, the FDCPA ( 15 U.S.C. 1692g ) requires debt collectors to provide proper validation upon request. None of the collection accounts listed above have been legally validated. Reporting these debts to Experian without validation makes them unverified, incomplete, and legally inaccurate.

Demand for Relief : I demand the immediate deletion of the above-listed accounts from my Experian file. Any account that can not be verified with full legal validation must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Any further reporting of unvalidated debts constitutes continued violations of both the FCRA and FDCPA.

Please provide me with written confirmation of the deletions within the 30-day statutory period. 

Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and pursuing civil remedies for statutory damages, punitive damages, attorneys fees, and costs. 

This is your final notice. 

Respectfully, XXXX XXXX XXXX. 
[ Date of BirthXXXX. 
[ SSN Last 4 : XXXX [ Email : 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