Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
To Whom It May Concern, This is a formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, to reinvestigate and permanently delete the following negative accounts from my credit reports due to material violations of federal law, including the continued reporting of inaccurate, outdated, incomplete, and/or unverifiable information.

DISPUTED ACCOUNTS ( with Basis for Deletion ) 1. XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ( Collection ) Bureaus : XXXX Experian Violation : Unverified debt under FCRA 611 and 609 ( a ) ( 1 ) ; no contract or payment records supplied ; reporting in absence of proper validation.

2. XXXX {$1400.00} ( Collection/Charge-off ) Bureaus : XXXX Experian, XXXX Violation : Conflicting reporting status between bureaus ( Closed vs. Open ) ; account is disputed but remarks are inconsistent ; FCRA 602 mandates maximum possible accuracy not met.

3. XXXX XXXX {$2300.00} ( Charge-off ) Bureaus : Experian only Violation : Missing from XXXX and XXXX ; if accurate, must be uniformly reported ; no validation supplied per FCRA 609 ( a ) ; reporting appears aged and unverifiable.

4. XXXX XXXX {$7600.00} ( Charge-off ) Bureaus : All three Violation : Account originated in 2022 with over 25 occurrences of 90+ day late payments on XXXX  strongly indicative of re-aging ; FCRA 605 ( a ) ( 5 ) prohibits reporting of obsolete accounts.

5. XXXX XXXX {$0.00} ( Charge-off ) Bureaus : All three Violation : Inconsistency in balances, activity dates, and resolution descriptions ; appears resolved yet derogatory ; FCRA 623 ( a ) ( 1 ) ( A ) mandates data furnishers report accurately.

APPLICABLE LEGAL GROUNDS FOR DISPUTE FCRA 611 [ 15 U.S.C. 1681i ] : Requires CRAs to reinvestigate disputed info and remove if unverifiable.

FCRA 609 [ 15 U.S.C. 1681g ] : Grants me the right to see all info in my file, including sources of data.

FCRA 602 [ 15 U.S.C. 1681 ] : Bureaus must assure maximum possible accuracy of reported information.

FCRA 605 ( a ) : Restricts reporting of certain obsolete information, including accounts beyond 7 years or re-aged accounts.

FCRA 623 [ 15 U.S.C. 1681s-2 ] : Furnishers may not report inaccurate or incomplete information.

DEMAND FOR ACTION You are hereby instructed to : 1. Conduct a full reinvestigation of all disputed accounts listed above.

2. Delete any item that can not be verified with full documentary evidence, including signed contracts, original account history, and accurate date-of-first-delinquency.

3. Provide written confirmation of results within the 30-day period required by law.

Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office. I am also prepared to pursue legal remedies under FCRA 616 and 617 for willful or negligent noncompliance, which provides for statutory and punitive damages.

This letter serves as formal notice under federal law, and your legal duty to comply is now triggered. 

Sincerely, XXXX XXXX XXXX

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