Consumer complaint received 2025-12-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : Monday, XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Notice of Direct Dispute Demand for Deletion of Unverified & Unlawfully Reported Information Pursuant to 15 USC 1681c-2, 1681i, 1681s-2, and FCDPA Requirements To Whom It May Concern : This letter serves as my formal demand for immediate deletion of several accounts Experian is reporting that are erroneous, unverified, inaccurate, and legally defective. Pursuant to 15 USC 1681c-2, I am invoking my right to a block and removal of all information resulting from identity-related, inaccurate, incomplete, or unverified data, and Experian is required to act within XXXX ( XXXX ) business days of receipt of this notice. 

Experians continued reporting of any unverifiable information after receipt of this dispute constitutes willful noncompliance under 15 USC 1681n, negligent noncompliance under 1681o, and unlawful furnishing of inaccurate data under 1681s-2 ( a ). Additionally, case law such as XXXX XXXX Trans Union ( 115 F.3d 220 ) established that a CRA MUST conduct a reasonable investigation and can not rely blindly on a furnisher. 

Below is a line-item dispute of every derogatory/negative entry currently appearing on my Experian report. 
These items are formally disputed and demanded for deletion unless Experian can produce documented, original-creditor-verified proof, not mere electronic/paraphrased furnisher responses. 

NEGATIVE ITEMS DEMANDED FOR IMMEDIATE REMOVAL CHARGE-OFF ACCOUNTS ( DELETE IMMEDIATELY ) XXXX XXXX XXXX XXXX Charged-off Installment Loan Account ending : XXXX Balance : {$16000.00} Multiple years of derogatory reporting Consumer disagrees dispute notation already present This account is unverified, inaccurately aged, and contains inconsistent delinquency coding. Remove immediately. 

XXXX XXXX XXXX XXXX Charged-off Credit Card Account ending : XXXX Balance : {$13000.00} Repeated charge-off codes for multiple consecutive years Conflicting dates of first delinquency Prior dispute noted investigation complete consumer disagrees Continued reporting without verification violates 1681i. Delete immediately. 

XXXX XXXX ( XXXX XXXX ) Charged-off Credit Card Account ending : XXXX Balance : {$4800.00} Inconsistent delinquency progression Repeated monthly CO entries beyond regulatory standards Prior dispute showed furnisher reported by data furnisher without actual proof This information is unverifiable and inaccurate. Delete immediately. 

COLLECTION ACCOUNTS ( DELETE IMMEDIATELY ) XXXX XXXX Debt Buyer Original creditor : XXXX XXXX ( XXXX XXXX ) Balance : {$1900.00} Debt buyer reporting with no proof of ownership Prior dispute note present No contract, itemization, or chain-of-title has been provided Remove under 1681c-2 and 1681i. 

XXXX XXXX XXXX ( XXXX ) Original creditor : XXXX XXXX Balance : {$8300.00} XXXX frequently violates CFPB consent orders No documented validation ever provided Duplicate and contradictory reporting patterns Delete immediately as unverified. 

XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$3900.00} Debt buyer with XXXX validation Erroneous reporting months and incorrect status history Prior dispute notation already exists Remove under 1681c-2. 

LATE PAYMENTS ( UNVERIFIED & INACCURATE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending : XXXX XXXX late payments reported Several months coded inaccurately Delinquency sequence conflicts with DFOD rules These entries are disputed and must be deleted if not fully verified with complete payment records. 

LEGAL BASIS FOR MY DEMAND XXXX. 15 USC 1681c-2 Blocking & Removal Within XXXX Days You are legally required to block and remove disputed information when it is : Unable to be verified Inaccurate Resulting from erroneous reporting Lacking proper furnisher documentation This section requires the CRA to remove the disputed items within XXXX ( XXXX ) business days. 

XXXX. 15 USC 1681i Reinvestigation Requirements Experian must conduct a reasonable investigation, not simply ask the furnisher if its correct. 

XXXX. 15 USC 1681s-2 Duties of Furnishers If a furnisher can not validate the data with original documentation, Experian MUST delete that information. 

XXXX. Case Law Supporting Deletion of XXXX XXXX XXXX XXXX Trans Union ( XXXX ) CRAs must do more than accept furnisher statements. 

XXXX XXXX CSC Credit Services A CRA may be liable for failing to reinvestigate accurately. 

XXXX XXXX Fleet Bank Reporting unverifiable information is grounds for deletion. 

MY DEMAND TO EXPERIAN I am invoking my rights under 15 USC 1681c-2. 
Therefore, Experian MUST : DELETE all accounts listed above within XXXX ( XXXX ) business days, OR Provide full, original-source verification, including : Original signed contracts Full account histories Chain-of-title for debt buyers Proof of legal right to report Complete payment logs ( for late payments ) If Experian fails to comply, be advised I am prepared to pursue : CFPB complaints State Attorney General complaints Civil claims for damages under 1681n ( willful noncompliance ) and 1681o ( negligent compliance ) CERTIFICATION I certify this information is true and accurately reflects disputed entries on my consumer file. 

XXXX XXXX XXXX XXXX ( Last XXXX ) : XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA 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