Consumer complaint received 2025-02-23 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:
VIOLATIONS OF LAW & DEMANDS FOR CORRECTION XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$550.00} Status : Open Violations : False data entry, multiple inaccurate XXXX late entries ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

Violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must report accurate information.

Violation of 15 U.S. Code 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy.

Demand : Immediate removal of all late payments or legal action will be pursued. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed Violations : False late payment reporting ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

Violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : Unverifiable information must be deleted. 

Demand : Remove all late payments immediately. 

XXXX Date Opened : XX/XX/XXXX Balance : N/A Status : Paid, Closed Violations : False late payment reporting ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

Violation of XXXX XXXX Compliance Standards : Incorrect delinquency sequence. 

Demand : Remove all late payments or terminate account. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : N/A Status : Paid, Closed Violations : False late payment reporting ( XXXX days past due : XX/XX/XXXX ; XXXX days past due : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX ). 

Violation of 15 U.S. Code 1692e : False or misleading representations. 

Demand : Terminate inaccurate payment history and account. 

XXXX XXXX XXXX XXXX XXXX XXXX 

Date Opened : XX/XX/XXXX Balance : N/A Status : Transferred, Closed Violations : Unverifiable late payments while in a mortgage assistance program. 

Violation of FHA guidelines regarding accurate reporting. 

Demand : Remove all late payments immediately. 

XXXX XXXX XXXXXXXX ( Multiple Accounts ) Date Opened : Various ( XXXX, XXXX, XXXX ) Balance : N/A Status : Paid, Closed Violations : False XXXX past due reporting ( XX/XX/XXXX ) despite account being in a program. 

Violation of FERPA : Unauthorized disclosure of private financial data.

Violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Inaccurate reporting by furnishers. 

Demand : Remove late payments and terminate accounts due to false entry. 

XXXX XXXX XXXX ( Identity Theft Case ) Date Opened : XX/XX/XXXX Balance : {$300.00} Status : Collection Account Violations : Identity theft & fraud. 

Violation of 15 U.S. Code 1692g : Debt verification failure.

Violation of 15 U.S. Code 1692e : False representations.

Violation of 15 U.S. Code 1692f : Unfair collection practices.

Demand : Immediate deletion, cease and desist all contact, and termination of reported data. 

LEGAL CONSEQUENCES FOR NON-COMPLIANCE Failure to correct these violations within 30 days will result in : Formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Potential civil litigation seeking statutory damages and compensation for harm caused by false reporting. 

Investigation into Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) violations. 

CONCLUSION I demand an immediate investigation and removal of all erroneous, unverifiable, and false data from my credit report. Please provide written confirmation of these corrections within 30 days of receipt of this letter.

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