Consumer complaint received 2025-05-10 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: NH

Complaint narrative:
To : Legal Departments Equifax, Experian, and TransUnion XXXX : Legal and Compliance Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Legal Dispute and Demand for Permanent Deletion of Inaccurate and Unverified Credit Reporting under FCRA & FDCPA Dear Legal Departments and CFPB Compliance Officers, This is a formal and escalated legal dispute concerning multiple accounts appearing on my credit reports that continue to reflect materially inaccurate, incomplete, and unverifiable information, in direct violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 credit reporting standards. 

Despite repeated disputes over the past several months, your agencies have repeatedly returned template-based responses stating these accounts were verified as accurate, without providing any substantiating documentation or conducting a meaningful investigation. I am now demanding that the following accounts be immediately deleted or corrected in full : XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX Legal Violations and Case Law Support FCRA 1681e ( b ) : Requires that all reported data be complete and accurate to the maximum extent possible. Many of these accounts reflect conflicting dates, inconsistent status codes, and historical derogatory remarks on {$0.00} balance accounts, all of which violate this provision.

FCRA 1681i ( a ) : Mandates a reasonable reinvestigation of disputed data. As clarified in XXXX v. TransUnion, merely parroting the furnisher 's records is not sufficient. Your continued reliance on automated verified responses, without any documented reinvestigation, constitutes willful noncompliance. 

FCRA 1681s-2 ( b ) : Furnishers of data have a legal obligation to investigate disputes and correct or delete information that can not be verified. Failure to update, correct, or remove inaccurate entries after notice violates this section.

FDCPA 809 ( b ) : For the XXXX collection reported by XXXX XXXX XXXX, no legally sufficient validation of debt has ever been provided, including itemization, original creditor agreement, or proof of assignment. Under XXXXXXXX XXXX XXXX XXXX XXXX., unverifiable accounts can not lawfully remain. 

XXXX XXXX Compliance Violations : Several accounts reflect charge-off or late payment status with no balance, violating XXXX XXXX XXXX XXXX. 

High credit is either missing or lower than the reported charged-off amountnoncompliant with XXXX XXXX : High Credit. 

No XXXXompliance Condition Code is properly reported for settled or resolved debts. 

IRS 1099-C Requirements : Any charged-off or forgiven debt must be accompanied by IRS Form 1099-C. No such form was issued for the Onemain account, rendering the post-charge-off reporting legally incomplete and misleading. 

Relevant Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) Even technically accurate information can be misleading and violate the FCRA. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Duplicate or conflicting tradelines must be corrected or removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to properly itemize and validate debt violates the FDCPA and 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