Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : FORMAL DISPUTE AND DEMAND FOR IMMEDIATE DELETION FCRA Violations 15 U.S.C. 1681a ( w ), 1681b, 1681e ( b ), 1681i To Whom It May Concern, This letter constitutes a formal dispute under the Fair Credit Reporting Act ( FCRA ) and serves as actual notice that your agency is publishing, maintaining, and re-disseminating inaccurate and/or unverifiable consumer credit information in violation of federal law. 

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 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 I. DEFINITIONS MATTER 15 U.S.C. 1681a ( w ) Under 15 U.S.C. 1681a ( w ), the term creditor adopts the definition provided in the Truth in Lending Act ( 15 U.S.C. 1602 ), limiting who may lawfully claim creditor status or furnish data as such.

You are currently reporting tradelines without demonstrating that the data furnisher qualifies as a lawful creditor under 1681a ( w ) and without evidence of an existing consumer-initiated credit transaction supported by a permissible purpose under 1681b ( a ).

Absent this statutory foundation, the reporting itself is unlawful.

II. FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY 1681e ( b ) You have published information that : Lacks proof of a valid creditor-consumer relationship Lacks evidence of a signed agreement bearing my authorization Lacks evidence that the furnisher had lawful standing to report Lacks evidence of continuing permissible purpose This is a direct violation of your affirmative duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

III. DEMAND FOR STRICT VERIFICATION 1681i ( a ) Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation, not a superficial e-OSCAR confirmation.

Verification requires documentary evidence, including but not limited to : 1. A copy of the original signed consumer agreement 2. Proof the furnisher qualifies as a creditor under 1681a ( w ) 3. Proof of permissible purpose under 1681b 4. Proof the debt was not sold, assigned, discharged, or extinguished 5. Proof the balance, status, and payment history are accurate A mere data response from the furnisher does not satisfy the FCRA.

IV. DEMAND FOR IMMEDIATE ACTION Accordingly, I demand the following : 1. Immediate deletion of all disputed tradelines that can not be fully verified as outlined above 2. Written confirmation of deletion within the statutory timeframe 3. Written disclosure of the method of verification under 1681i ( a ) ( 6 ) ( B ) ( iii ) 4. The name, address, and contact information of every party relied upon during reinvestigation V. NOTICE OF LIABILITY Failure to comply will constitute willful noncompliance under 15 U.S.C. 1681n and/or negligent noncompliance under 15 U.S.C. 1681o, exposing your agency to : Statutory damages Actual damages Punitive damages Attorneys fees and costs This letter is not a request. It is formal legal notice.

Govern yourselves accordingly. 


Sincerely, XXXX 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