Consumer complaint received 2025-04-16 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:
FollowUp Dispute Verification Failure to Comply with FCRA & TILA ( New XXXX evidence XXXX enclosed; please DELETE the Experian accounts listed below ) Your last response claimed the accounts below were verified as accurate.The attached screenshots prove otherwise and show Experian is violating the Fair Credit Reporting Act ( FCRA ) 611, the Fair Credit Debt Reporting Act ( FCDRA ), and the Truth in Lending Act ( TILA ).

1Accounts to Be Deleted from Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracies Still Unresolved * Balances & Credit Limits Experian lists {$0.00} limits or balances that conflict with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
* HighCredit & PastDue Dollaramount gaps of thousands ( XXXX high XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
* LastReported / DateLastActive XXXX lastreported XXXXXXXX XXXX XXXX. 
* PaymentHistory Grids Experian shows alternating XXXX codes while the other bureaus differ or show continuous XXXX 
* Comment Codes Account in disputereported by subscriber ( XXXX ) versus Charged off as bad debt ( XXXX  ) shows Experian relied on inconsistent data. 
* Omission ( XXXX ) Experian alone reports this chargeoff ; neither XXXX  nor XXXX lists it, proving lack of crossbureau verification. 

3Legal Basis for Immediate Deletion 1. 15U.S.C.1681i ( a ) ( 7 ) Experian has not supplied the required written description of its investigation within 15days.

2. 609 ( a ) ( 1 ) ( A ) Verification must rely on physical review of original signed contracts or chargeoff ledgers, not automated eOSCAR data.

3. 607 ( b ) Experian has failed to follow reasonable procedures to assure maximum possible accuracy. 
4. 1681i ( a ) ( 5 ) Information that can not be verified must be deleted.

5. 1681s2 ( a ) ( 1 ) ( A ) Furnishers must report only accurate data ; Experians publication of conflicting figures facilitates their violation.

6. TILA15U.S.C.1601 Credit disclosures must be truthful and transparent ; these tradelines fail that standard. 

4Required Actions ( 15Day Deadline ) * DELETE the seven Experian accounts unless you can produce : * Original, fully executed credit agreements; * Complete payment histories & chargeoff worksheets; * Written certification from each furnisher attesting to accuracy. 
* PROVIDE a full narrative of every verification step, naming each furnisher and contact person. 
* ISSUE an updated Experian credit report reflecting all deletions or corrections. 

5Consequences of NonCompliance If Experian fails to comply within 15calendar days, I will : 1. File complaints with the FTC, and my State Attorney General.

2. Seek statutory damages up to {$1000.00} per violation under 15U.S.C.1681n and actual damages under 1681o. 
3. Pursue civil action for defamation, negligence, and willful noncompliance. 
Thank you for your immediate attention. I expect written confirmation within the timeframe mandated by law.

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