Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : This letter serves as a Final Notice of Non-Compliance and Demand for Immediate Deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681e ( b ), and 1681c-2. 

I previously submitted a formal dispute regarding the above-referenced XXXX XXXX XXXX account more than 30 days ago, and your office has failed to provide a response or investigation results as required by law. Your inaction constitutes a willful and negligent violation of the FCRA. 



1. Failure to Comply with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) You were legally obligated to complete a reasonable reinvestigation within 30 days of receiving my dispute. Since no response or results have been furnished, you have violated 1681i ( a ) ( 1 ) ( A ), which requires timely completion and written notice of the reinvestigation.

2. Failure to Ensure Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) Continuing to report this unverified and inaccurate XXXX account fails to meet the maximum possible accuracy standard required under 1681e ( b ). 
Because XXXX has a well-documented record of regulatory violations involving systemic data inaccuracies, your reliance on their unverifiable reporting is unreasonable and unlawful. 



XXXX. Unverifiable and Potentially Re-Aged Account 15 U.S.C. 1681s-2 ( a ) ( 5 ) The reported last activity and charge-off dates conflict, suggesting illegal re-aging to extend the life of negative reporting. Unless original-source documentation ( signed agreement, payment ledger, default date, and/or 1099-C if applicable ) exists, this account can not be verified. 



4. Right to Block Unverifiable Information 15 U.S.C. 1681c-2 ( a ) Because this account remains unverified beyond 30 days, I am now invoking my right under 1681c-2 to have the information blocked and permanently deleted. 
You are hereby demanded to remove this account from my credit file within four ( 4 ) business days of receiving this notice.

5. Notice of Intent to Pursue Remedies If this account is not deleted within four ( 4 ) business days, I will : File formal complaints with the CFPB, FTC, and Florida Attorney General. 
Pursue civil damages for willful and negligent non-compliance under 15 U.S.C. 1681n and 1681o. 
Seek attorney fees and punitive damages for failure to comply with federal consumer protection law. 



Final Demand : Provide written confirmation that the XXXX XXXX XXXX XXXX account has been permanently deleted from my credit report. 
If you believe the account can be verified, you must provide the complete original documentation obtained directly from the furnishernot automated data or ACDV responses. 

You are now on formal notice. Any continued reporting of unverifiable, inaccurate, or incomplete information will be treated as willful defamation and statutory non-compliance.

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