Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
CREDIT DISPUTE LETTER EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX DOB : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Demand for Permanent Deletion Inaccurate & Legally Noncompliant Reporting To Whom It May Concern, I am writing to formally dispute and demand the permanent deletion of the following tradelines reported by XXXXXXXX XXXX  and XXXX XXXX XXXX. These accounts are reported inaccurately, unlawfully, and violate the Fair Credit Reporting Act ( FCRA ). This is not a request for correction I am demanding full deletion. 

1. XXXXXXXX XXXX Account Number ( Partial ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my first time disputing this matter. I am filing a formal complaint against XXXXXXXX XXXX regarding a tradeline they are reporting that contains multiple serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Due to these violations, I am currently being sued based on false, inconsistent, and misleading information, which has caused me extreme stress, reputational damage, and legal hardship. 
I am not requesting an update or correction. I am demanding the immediate removal of this XXXX tradeline from all credit reporting agencies due to ongoing violations of federal law. 

1. Inaccurate Balance Reporting The balance increased from {$530.00} in XX/XX/XXXX to {$2300.00} by XX/XX/XXXX without any supporting documentation, statements, or breakdown of fees. 


Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report complete and accurate information. This unexplained increase is deceptive and unverified. 
2. Contradictory Account Status Between Bureaus XXXX  reports the account closed as of XX/XX/XXXX, while XXXX and Experian report no closed date at all. 


This violates FCRA 1681e ( b ), which requires consistent and accurate reporting across all credit bureaus. 
3. Late Payments After Account Closure My payment history shows 30-day late reported from XXXX through XX/XX/XXXX, despite the account being closed in XXXX. 


Under FCRA 623 ( a ) ( 5 ), late payments reported after closure are inaccurate and misleading. 
4. Conflicting Payment & Activity Dates The last reported payment was XX/XX/XXXX, but the account balance continued to increase for months afterward with no activity. 


This inconsistency violates FCRA 1681i ( a ) ( 1 ) ( A ) the right to a thorough and reasonable investigation. 
5. Failure to Validate Debt ( FDCPA 809 / 15 U.S.C. 1692g ) Despite being sued, I have not received any statements, breakdown of charges, or proof of contractual agreement for the increased balance. 


Under FDCPA, consumers have the right to request and receive proper validation of a debt this has not been done. 
6. Verification of Inaccurate Information If XXXX verifies the tradeline as accurate, it confirms they are knowingly reporting false or misleading data, which constitutes a willful violation of FCRA 623 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ). 
Legal & Financial Harm I am actively being sued based on this account a lawsuit that is built on false, contradictory, and inaccurate data. This has : Damaged my credit profile Caused extreme mental and financial stress Forced me to defend myself against debt I do not believe is valid Exposed XXXX  to legal liability Action Requested I am requesting the CFPB to : Investigate XXXX ongoing violations of the FCRA and FDCPA Immediately compel XXXX to remove the XXXXXXXX XXXX tradeline from Experian, XXXX, and XXXX Request full documentation and validation for the balance reported Confirm if XXXX is continuing a lawsuit based on verified but legally inaccurate data, and require the matter be dropped if violations are confirmed. 
2. XXXX XXXX XXXX XXXX XXXX Bank Account Number ( Partial ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delinquency reported prior to account open date XX/XX/XXXX vs. XX/XX/XXXX No original contract or supporting details provided by the debt buyer Account is unverified and time-inconsistent Requested Resolution : Immediate deletion of this collection account. 
3. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number ( Partial ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX. Yet reports delinquency from XX/XX/XXXX an impossible sequence. 
TransUnion reflects the full balance as past due monthly post-charge-off. 
No proof of ownership or original creditor documentation. 
Requested Resolution : Full deletion due to unverifiable data, timeline errors, and lack of contract proof Inquiries : These inquiries were made without my authorization or do not meet the permissible purpose requirements as outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. According to the FCRA, a hard inquiry can only be made with my express written consent or for a legitimate business need in connection with a credit transaction that I initiated. I did not authorize these inquiries, nor was I provided proper disclosure or permission. The following inquiries must be removed immediately from my credit report : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Sincerely, XXXX XXXX Enclosures : Government-issued ID Highlighted credit report excerpts showing the violations

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