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 information 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. I have requested proof of verification for these accounts, and to date, I have not received any documentation or evidence supporting their accuracy. Continuing to report these unverifiable items violates federal law. 

-- - DISPUTED ITEMS ( Verification Required or Deletion Demanded ) 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 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 -- - * * 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, statutory damages, and attorneys fees. 

-- - * * 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 ( 15 ) 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 Thank you for your immediate attention to this legal notice. I expect full compliance under your obligations by law. Certainly. Heres the paragraph with all bold formatting removed : -- - I am formally requesting legal written proof of each account listed, including a copy of the original signed contract bearing my signature that authorizes the reporting and collection of the alleged debt. If such documentation can not be produced, the account must be deleted from my credit report immediately. Additionally, any late payments associated with these accounts must be removed, as they are being reported without verified and permissible purpose. Failure to provide proper verification and continued reporting without compliance to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and other applicable federal statutes constitutes a direct violation of federal law. Therefore, these items must be deleted immediately to avoid further legal consequences.

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