Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : 605B Request for Blocking and Removal of Fraudulent and Inaccurate Information from Credit Report Dear Experian, Pursuant to my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am formally disputing and requesting the immediate blocking and removal of the following inaccurate and potentially fraudulent information from my credit report. The listed accounts, late payment records, and inquiries are either erroneous or unverifiable and have caused substantial harm to my credit profile.

This letter serves as a formal demand for the immediate removal of the following inaccurate late payment records and unauthorized or unverifiable inquiries in my credit report. These errors are in violation of my rights under the Fair Credit Billing Act ( 15 USC 1666 ) and the Fair Credit Reporting Act ( 15 USC 1681c ), which require accurate and verifiable reporting by creditors and credit bureaus.

Failure to correct these inaccuracies has resulted in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all legal remedies available to me under federal law.

________________________________________ Disputed Late Payment Records Account XXXX : XXXX XXXX  Account Number : XXXX Late Payment Reported : XX/XX/XXXX This account reflects late payment in XX/XX/XXXX that is inaccurate. The account was paid in full, with a {$0.00} balance and no past-due amount as of XX/XX/XXXX. 
Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Late Payment Reported : XX/XX/XXXX The late payment reported in XX/XX/XXXX is incorrect. This account was fully paid, with a {$0.00} balance and no past-due amount as of XX/XX/XXXX. 
Account XXXX : XXXX XXXX Account Number : XXXX Late Payments Reported : XX/XX/XXXX and XX/XX/XXXX The reported late payments for XX/XX/XXXX and XX/XX/XXXX are inaccurate. The account remains active, and all payments have been made as agreed with no past-due amount as of XX/XX/XXXX. 
Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Late Payment Reported : XX/XX/XXXX This account reflects an erroneous late payment in XX/XX/XXXX. Payments resumed timely, and there is no past-due amount as of XX/XX/XXXX. 
Account XXXX : XXXX XXXX XXXX Account Number : XXXX Late Payments Reported : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ) These reported late payments are inaccurate and do not reflect the actual payment history. Additionally, I demand that Experian or XXXX XXXX XXXX provide removal or a 1099-C form for any debt cancellation exceeding {$600.00}, as required under IRS regulations . If no 1099-C exists, I will escalate this matter to the IRS for further investigation.

________________________________________ Disputed Inquiries I dispute the following hard inquiries as either unauthorized or unverifiable under 15 USC 1681c. These inquiries do not meet the permissible purpose requirements outlined under 15 USC 1681b : XXXX. Inquiry Date : XX/XX/XXXX o Creditor Name : XXXX  XXXX o Inquiry Type : Installment Loan Inquiry XXXX. Inquiry Date : XX/XX/XXXX o Creditor Name : XXXXXXXX XXXX XXXX o Inquiry Type : Bank/Credit Card Inquiry XXXX . Inquiry Date : XX/XX/XXXX o Creditor Name : XXXX XXXX XXXXXXXX o Inquiry Type : Bank/Credit Card Inquiry XXXX . Inquiry Date : XX/XX/XXXX o Creditor Name : XXXX CARD o Inquiry Type : Bank/Credit Card Inquiry XXXX . Inquiry Date : XX/XX/XXXX o Creditor Name : XXXX XXXX XXXX  o Inquiry Type : Bank/Credit Card Inquiry ________________________________________ Action Requested Under Section 605B, Experian is required to block and remove this disputed information upon receipt of this letter. Additionally, I request : 1. Immediate removal of the above-mentioned inaccurate late payment records.

2. Deletion of all listed unauthorized or unverifiable hard inquiries.

3. Verification of each record with supporting documentation from the creditors. If the creditors can not substantiate the accuracy of these records, the information must be removed.

If these issues are not resolved promptly, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) as appropriate. I also reserve the right to pursue further legal remedies to enforce my rights under the FCRA.

Attached to this letter are the following : 1. A copy of my identification.

2. Proof of address.

3. Relevant sections of my credit report highlighting the disputed information.

Please acknowledge receipt of this letter and provide written confirmation of your resolution within 15 days. I expect that Experian will act swiftly to correct this matter to ensure compliance with federal law. 
If further clarification is needed, please contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly. Please note that you have 15 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your reinvestigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 15 days of receipt of this or a certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : P.S. Please be aware that independent of your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints CC : CFPB

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