Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I submitted multiple, detailed written disputes directly to Experian, challenging the accuracy, completeness, and legal compliance of numerous accounts, personal information, and inquiries listed on my credit report. Despite citing my rights under the Fair Credit Reporting Act ( FCRA ) and requesting a full reinvestigation, Experian failed to provide verification, issued vague or form responses, and continued reporting disputed data without proper documentation. 

These actions violate the following provisions : 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation within 30 days of receiving a consumer dispute ; 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy of the information in consumer files ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) failure of furnishers to report complete and accurate information to credit bureaus ; 15 U.S.C. 1681g ( a ) failure to provide complete disclosure of the methods used to verify disputed data ; FCRA 605B ( 15 U.S.C. 1681c-2 ) unlawful retention or reporting of unverifiable, incorrect, or identity theft-related data ; 15 U.S.C. 1666 ( Truth in Lending Act ) failure to correct billing errors resulting in wrongful delinquency reporting. 

I am specifically disputing and demanding permanent deletion of the following accounts, based on inaccuracies, non-compliance, or unverifiable derogatory information : 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  These accounts exhibit the following violations : Incorrect dates of activity, balance amounts, payment histories, and status codes Discrepancies between Metro 2 data field values and real usage history Unsubstantiated designations such as CollectionOrChargeOff or Legally Paid for Less Than Full Balance Improper dispute codes marked N despite active and ongoing challenges Failure to provide validation of permissible purpose, account ownership, or certified Metro 2 compliance Additionally, I formally dispute the following unauthorized hard inquiries which violate FCRA 604 and 615, and request immediate removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experians refusal to process my dispute due to the assumption it was prepared using third-party tools is both unlawful and discriminatory. I, XXXX XXXX XXXX, am the author or co-author of all correspondence and exercised my full legal right to challenge inaccurate reporting under FCRA 611, regardless of the medium used to submit my disputes. 

Relevant case law reinforcing these rights includes : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Information Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see the attached FTC Identity Theft Report and my prior written dispute letters submitted to Experian.

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