Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccurate information on my consumer report that violates my rights under the Fair Credit Reporting Act ( FCRA ). Your failure to maintain accurate records and conduct a proper reinvestigation places you in direct violation of federal law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You're reporting a collection/charge-off account across all three bureaus, but the data is inconsistent, unverifiable, and in violation of FCRA and XXXX XXXX XXXX. The balance, account status, and reporting dates do not align, and none of the bureaus have provided proper validation of the debt. 
Under 15 U.S.C. 1681i and 1681s-2, you are legally obligated to report only accurate and verifiable informationand you are failing to do so. 
If this account was already deleted by another bureau due to lack of verification, you have no legal basis to continue reporting it. DELETE this unverifiable account immediately or provide complete documentation proving its accuracy and compliance. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting a collection/charge-off account across all three bureaus, but the data is conflicting, unverifiable, and violates FCRA and XXXX XXXX XXXX. The balance, reporting status, and account history are inconsistent across reports. 
Under 15 U.S.C. 1681i and 1681s-2, you are required to report only verified and accurate data. If this item has been deleted by another bureau due to unverifiability, you are prohibited from continuing to report it. DELETE this unverifiable entry or send supporting legal documentation proving its accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This collection/charge-off account has already been deleted by other bureaus due to lack of verification. Why are you still reporting it? 
Under 15 U.S.C. 1681i, if you can not verify this account, you are not legally allowed to report it. This item has already been deemed unverifiable, yet you're continuing to damage my credit report. That is a direct violation of FCRA 611.

DELETE this account immediately or be prepared for further legal action.

Legal Violations Identified : Violation of 15 U.S.C. 1681i Failure to Reinvestigate You are legally required to conduct a reasonable reinvestigation of any disputed item and must provide verified documentation to support its continued reporting. I demand the following : Name, address, and contact info of the party who verified the item XXXX used to verify the account and all supporting documentation Proof of your compliance with 15 U.S.C. 1681s-2, confirming that the furnisher met legal accuracy standards If you can not provide this, you must DELETE the disputed accounts immediately.

Violation of 15 U.S.C. 1681n Willful Non-Compliance Your failure to correct these violations amounts to willful non-compliance. Under the law, I am entitled to : {$1000.00} in statutory damages per violation Actual and punitive damages Attorneys fees and court costs Final Notice : You have XXXX XXXX to respond with verified documentation or DELETE the inaccurate items. If you fail to comply, I will escalate this matter by filing complaints with the CFPB, FTC, and my state Attorney General, and I will pursue legal action to hold your organization accountable. 

Send me a corrected and updated copy of my credit report reflecting the deletions.

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