Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
Subject : Formal Dispute Failure to Verify | Notice of Legal Liability under FCRA, FDCPA, and Other Federal Statutes To Whom It May Concern, This letter serves as a formal dispute and legal notice concerning multiple account entries currently reported under my name. These accounts have not been adequately verified despite previous correspondence. Continuing to report these unverifiable items violates federal law.

DISPUTED ITEMS ( Verification Required or Deletion Demanded ) : AUTO LOANS XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Balance : XXXX Needs Attention XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Balance : XXXX In Good Standing XXXX XXXX Reported : XX/XX/XXXX Balance : XXXX In Good Standing CREDIT CARDS XXXX Reported : XX/XX/XXXX Balance : XXXXXXXX XXXX  XXXX Reported : XX/XX/XXXX Balance : XXXX XXXX XXXX Reported : XX/XX/XXXX Balance : XXXX XXXX Reported : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX Balance : XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX Balance : XXXX XXXXXXXX XXXX XXXX Reported : XX/XX/XXXX Balance : XXXX Closed Credit Card Accounts XXXX Reported : XX/XX/XXXX Balance : XXXX XXXX XXXX Reported : XX/XX/XXXX Balance : XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Balance : XXXX XXXX Reported : XXXX XXXX, XXXX Balance : XXXX XXXX Reported : XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Balance : XXXX PERSONAL LOANS XXXX XXXX Reported : XX/XX/XXXX Balance : XXXX Late Payment OTHER LOANS XXXX XXXX Reported : XXXX. XXXX, XXXX Balance : XXXX Closed XXXX XXXX Reported : XXXX. XXXX, XXXX Balance : XXXX Closed REAL ESTATE LOANS XXXX XXXX Reported : XXXX. XXXX, XXXX Balance : XXXX In Good Standing XXXX Reported XXXX XXXX. XXXX, XXXX Balance : XXXX Closed STUDENT LOANS XXXX XXXX Multiple Reports All Balances : XXXX Closed RENT & UTILITIES XXXX Reported : XXXX XXXX, XXXX Balance : XXXX Closed OTHER ACCOUNTS SunStrong Reported : XXXX. XXXX, XXXX Balance : XXXX In Good Standing Legal Authority for Dispute * * 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) * * If any item of information is inaccurate or can not be verified, it must be deleted from the consumers file. * * 15 U.S. Code 1692k * * Any debt collector failing to comply is
liable for actual damages and statutory damages plus legal costs.

Additional Legal Authority * * 15 U.S. Code 1681b * * Permissible Purposes of Consumer Reports Your agency must have a legally permissible reason to access or report my credit file. Failure to document such purpose is a violation.

* * 15 U.S. Code 1681e * * Compliance Procedures Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Continuing to report unverifiable accounts violates this requirement.

* * 15 U.S. Code 1666b * * Timing of Payments Creditors must allow adequate time for the consumer to dispute a charge before reporting it negatively. Violations of this section can result in the removal of such items.

* * 15 U.S. Code 6802 * * Financial Privacy Financial institutions must not disclose personal information without consent and proper disclosure procedures.

* * 15 U.S. Code 1692 * * Fair Debt Collection Practices Act Prohibits abusive, deceptive, or unfair collection practices. Reporting or collecting unverifiable accounts without validation may trigger liability under this provision.

* * 18 U.S. Code 1028 * * Fraud in Connection with Identification Documents Knowingly using or reporting false or unverified identity data constitutes federal fraud and may be criminally prosecutable.

Demand for Action You are hereby notified to do the following within fifteen calendar days : * Remove all unverifiable accounts listed above * Provide written verification or original signed documentation of all remaining accounts * Cease all future reporting of unverified items If you fail to comply, I will file : * Formal complaints with the CFPB, FTC, and State Attorney General * Legal action seeking damages under FCRA, FDCPA, FCBA, and relevant statutes * Referrals to federal authorities for prosecution under 18 U.S. Code 1028 Not one company has shown verification!

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