Consumer complaint received 2026-03-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Date : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute and Demand for Immediate Deletion Violations of the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute several inaccurate, unverifiable, and incomplete items currently appearing on my Experian consumer report. These accounts contain reporting deficiencies and violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Additionally, 15 U.S.C. 1681i ( a ) requires that you conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of any item. The accounts listed below are unverified, inaccurate, misleading, or incomplete, and therefore must be deleted immediately if proper verification can not be produced. DISPUTED ACCOUNTS XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account : XXXX This account is reporting late payments despite being closed and paid. The reporting appears inconsistent and incomplete. Pursuant to : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Requirement for reasonable reinvestigation Please provide documentary evidence bearing my signature verifying : the original contract complete payment history proof of the reported late payments If this information can not be verified, delete this account immediately. XXXX. XXXX XXXX XXXX ( Two Accounts ) Accounts : XXXX / XXXX These accounts report a 30-day delinquency in XX/XX/XXXX despite being paid and closed. The reporting appears incomplete and inconsistent. Under 15 U.S.C. 1681s-2 ( a ), furnishers must report accurate information. Because the reporting lacks full documentation verifying the alleged delinquency, it constitutes a violation of the FCRA. Please provide : signed agreement complete payment ledger proof of delinquency reporting authority If you can not verify the accuracy of this information, the accounts must be permanently deleted. XXXX. XXXX XXXX XXXX Balance : {$930.00} Original Creditor : XXXX XXXX XXXX This collection account is disputed due to lack of validation and incomplete reporting. Under 15 U.S.C. 1681i and 15 U.S.C. 1692g ( FDCPA ), I request verification including : the original signed contract chain of assignment proving collection authority itemized accounting of the alleged debt Failure to provide these documents requires immediate deletion from my report. XXXX. XXXX XXXX XXXX Balance : {$470.00} Original Creditor XXXX XXXX XXXX XXXX This collection entry is unverified and incomplete. Under 15 U.S.C. 1681e ( b ), reporting unverifiable information is prohibited. Please provide : signed agreement with original creditor documentation authorizing collection agency reporting full account statements proving the balance If verification can not be provided within 30 days, delete the account. XXXX XXXX XXXX XXXX Balance : {$200.00} Original Creditor XXXX XXXX This account has been previously disputed, yet it continues to be reported without proper validation. Under 15 U.S.C. 1681i ( a ) ( 5 ), if information can not be verified after a reinvestigation, it must be deleted. Provide : original contract proof of liability itemized statement Otherwise remove this account immediately. XXXX XXXX XXXX XXXX Balance : {$670.00} Original Creditor : XXXX XXXX This collection account is also unverified and disputed. If the furnisher can not provide full validation documentation, reporting this account constitutes : 15 U.S.C. 1681e ( b ) violation 15 U.S.C. 1681s-2 ( b ) violation Therefore I demand permanent deletion. FORMAL DEMAND If these accounts can not be fully verified with competent evidence, they must be deleted immediately under the Fair Credit Reporting Act. Additionally, if inaccurate information continues to be reported after this dispute, it may constitute willful non-compliance under 15 U.S.C. 1681n, making Experian liable for : statutory damages punitive damages attorneys fees Please send me the written results of your reinvestigation along with an updated copy of my credit report. You have 30 days to comply with this request. 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