Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
# FORMAL CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/year> * * Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXXXXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE - ACCOUNT VERIFICATION DEMAND * * * * Consumer File Number : [ Your Experian File Number ] * * * * Account in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF DISPUTE AND DEMAND FOR INVESTIGATION Dear Experian, I am writing to formally dispute inaccurate, unverifiable, and legally non-compliant information appearing on my credit report. This dispute is made pursuant to my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * *, and I demand immediate investigation and correction of the following violations. 

# # ACCOUNT IN DISPUTE XXXX XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX  SPECIFIC VIOLATIONS AND LEGAL GROUNDS FOR REMOVAL # # # 1. MATERIAL INACCURACIES - FCRA 1681e ( b ) The account information contains * * material inaccuracies * * that violate your duty to maintain maximum possible accuracy : - * * Inaccurate Balance Reporting * * : Your report shows a balance of {$380.00}, while XXXX  reports {$160.00} for the same account period - * * Inconsistent Payment Status * * : Payment history shows discrepancies that can not be reconciled with other bureau reports- * * Conflicting Account Status * * : Status variations indicate unreliable data verification * * LEGAL VIOLATION * * : FCRA 1681e ( b ) requires you to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. '' # # # 2. UNVERIFIABLE INFORMATION - FCRA 1681i ( a ) ( 1 ) The disputed account information appears to be * * unverifiable * * based on the following evidence : - * * Cross-Bureau Inconsistencies * * : Identical account showing different balances across credit bureaus indicates furnisher can not verify accurate information - * * Missing Verification Documentation * * : No evidence of proper verification procedures for the reported data - * * Conflicting Data Points * * : Payment dates, balances, and status information that contradict other verified sources * * LEGAL VIOLATION * * : FCRA 1681i ( a ) ( 1 ) requires deletion of information that can not be verified as accurate. 

# # # XXXX. INCOMPLETE INFORMATION - FCRA 1681c ( a ) The account listing is * * incomplete * * and misleading : - * * Insufficient Payment History Detail * * : Missing critical payment information that affects credit scoring - * * Incomplete Account Status * * : Failure to reflect current account standing accurately - * * Missing Update Information * * : Last update information appears stale and unreliable * * LEGAL VIOLATION * * : FCRA 1681c ( a ) requires complete and accurate reporting of consumer information. 

# # # 4. FAILURE TO INVESTIGATE - FCRA 1681i ( a ) ( 1 ) ( A ) I have reason to believe this account has not been properly investigated or verified : - * * No Evidence of Verification * * : Cross-bureau discrepancies suggest lack of proper verification - * * Automated Processing * * : Appears to be result of automated processing without human verification - * * Procedural Violations * * : Failure to follow reasonable reinvestigation procedures # # DEMANDS FOR COMPLIANCE Pursuant to FCRA 1681i, I * * DEMAND * * that you : 1. * * IMMEDIATELY INVESTIGATE * * this dispute within the statutory 30-day period 2. * * VERIFY ALL INFORMATION * * with the original creditor using proper verification procedures 3. * * DELETE THE ENTIRE ACCOUNT * * if verification can not be completed 4. * * UPDATE TO " PAID AS AGREED '' * * if account is verified as satisfactory 5. * * PROVIDE WRITTEN CONFIRMATION * * of all changes made to my credit file # # ADDITIONAL LEGAL REQUIREMENTS # # # Method of Verification Required - FCRA 1681i ( a ) ( 3 ) ( A ) I specifically request that you provide me with the * * method of verification * * used to confirm this information, including : - Source of verification - Date of verification - Specific verification procedures employed - Documentation received from furnisher # # # Furnisher Notification - FCRA 1681i ( a ) ( 2 ) You are required to * * notify the furnisher * * of this dispute and provide them with all relevant information I have provided. 

# # # Duty to Provide Notice - FCRA 1681i ( a ) ( 1 ) Upon completion of your investigation, you must provide me with written notice of the results and a copy of my credit report if changes are made. 

# # CONSEQUENCES OF NON-COMPLIANCE * * WARNING * * : Failure to properly investigate this dispute or continued reporting of inaccurate information may result in : - * * Actual Damages * * pursuant to FCRA 1681o - * * Statutory Damages * * up to {$1000.00} per violation under FCRA 1681n - * * Punitive Damages * * for willful non-compliance - * * Attorney 's Fees and Costs * * pursuant to FCRA 1681n ( a ) ( 3 ) - * * Regulatory Action * * complaints to CFPB and FTC CERTIFICATION I certify under penalty of perjury that the information provided in this dispute is true and accurate to the best of my knowledge. 

# # CONCLUSION The account information for XXXX XXXX XXXX is * * legally non-compliant * * and must be UPDATED TO PAID AS AGREED * * immediately. I will not accept partial compliance or cosmetic changes that do not address the fundamental inaccuracies. 

I expect your * * full compliance * * with federal law and * * immediate resolution * * of this matter within the statutory timeframe. 

* * RESPONSE REQUIRED WITHIN 30 DAYS * * -- - Sincerely, 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