Consumer complaint received 2025-07-02 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:
Subject : URGENT DEMAND for Immediate Correction/Removal XXXX  Account # XXXX and XXXX  XXXX Account # XXXX CERTIFIED MAIL - RETURN RECEIPT REQUESTED Dear XXXX  Consumer Dispute Center , This letter serves as a FORMAL DEMAND for immediate validation, correction, or removal of inaccurate credit information, as mandated by 15 U.S. Code 1681a and the Fair Credit Reporting Act ( FCRA ). I am NOT requesting your assistanceI am DEMANDING compliance with federal law. 

Your reporting of the following accounts contains MULTIPLE VIOLATIONS of the FCRA, and I am prepared to pursue all available legal remedies if these inaccuracies are not immediately corrected or removed. 

DISPUTED ACCOUNTS WITH VIOLATIONS : XXXX  Account # XXXX : Opened Date VIOLATION : Your reported dates are WRONG. Correct dates : XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX   Last Activity Date VIOLATION : Your reported dates are WRONG. Correct dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  Last Payment Date VIOLATION : Your reported dates are WRONG. Correct dates : XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  Balance VIOLATION : Your reported amounts are WRONG. Correct balances : {$1000.00} and {$700.00} XXXX  XXXX Account # XXXX : Opened Date VIOLATION : Your reported dates are WRONG. Correct dates : XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  Last Activity Date VIOLATION : Your reported dates are WRONG. Correct dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  Last Payment Date VIOLATION : Your reported dates are WRONG. Correct dates : XX/XX/XXXX and XX/XX/XXXXXXXX  Balance VIOLATION : Your reported amount is WRONG. Correct balance : {$880.00} MANDATORY VERIFICATION REQUIREMENTS You are LEGALLY REQUIRED to provide complete verification documentation for each disputed item, including : ORIGINAL CREDITOR PROOF - Complete documentation of creditor identity, contact information, and account details COMPLETE ACCOUNT STATEMENTS- All transactions, payments, and account history CHAIN OF TITLE DOCUMENTATION - Proof of legal authority to report these debts COMPLIANCE CERTIFICATION - Written confirmation of adherence to all consumer protection laws CALCULATION BREAKDOWN - Itemized explanation of all reported amounts, fees, and charges LEGAL NOTICE AND DEMANDS YOU HAVE 30 DAYS from receipt of this letter to : PROVIDE COMPLETE VERIFICATION of all disputed information with supporting documentation, OR IMMEDIATELY REMOVE all unverified and inaccurate information from my credit report FAILURE TO COMPLY WILL RESULT IN : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) Filing complaints with your state regulatory authorities Pursuing legal action under 15 U.S.C. 1681n for willful non-compliance Seeking statutory damages up to {$1000.00} per violation plus attorney fees Seeking punitive damages for continued violations FINAL DEMAND This is your FINAL OPPORTUNITY to correct these violations before I pursue all available legal remedies. Your continued reporting of inaccurate information after this formal notice constitutes willful non-compliance with federal law. 
I DEMAND : IMMEDIATE INVESTIGATION of all disputed items WRITTEN CONFIRMATION of corrections or removals within 30 days UPDATED CREDIT REPORT showing all corrections CESSATION of all inaccurate reporting to third parties DO NOT send me form letters or automated responses. This matter requires immediate human attention and compliance with federal law. 
I am maintaining detailed records of all correspondence and will use any failure to comply as evidence in legal proceedings. 
RESPOND WITHIN 30 DAYS OR FACE LEGAL ACTION. 
DEMANDED UNDER PENALTY OF 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