Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Re : FOURTH AND FINAL DEMAND FOR REINVESTIGATION AND IMMEDIATE DELETION NOTICE OF INTENT TO PURSUE LEGAL REMEDIES This letter serves as my FOURTH and FINAL DEMAND for reinvestigation and deletion of inaccurate, unverifiable, and conflicting accounts that remain on my Experian credit file. 

You have been formally notified three previous times. Your continued failure to permanently correct or remove these items constitutes willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681e ( b ), 1681i ( a ), and 1681i ( a ) ( 5 ). 

The following accounts are still being reported inaccurately and must be IMMEDIATELY REMOVED : XXXX XXXX XXXX XXXX. Appears only on Experian. REMOVE IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXXXXXX ) Duplicate charge-offs ( {$570.00} and {$4500.00} ) while other bureaus show only one. REMOVE the duplicate or unverifiable listing. 

XXXX XXXX {$2000.00} Charge-Off. Conflicting payment history and reporting dates between bureaus. REMOVE unless validated by original documentation. 

XXXX XXXXXXXX XXXX {$440.00} Charge-Off. Reporting conflicts with TransUnion data. REMOVE if not verified by the furnishers authenticated records. 

Possible Financial Multiple Accounts ( XXXX and XXXX ). Duplicate entries ; inconsistent reporting. REMOVE unverifiable account immediately. 

Illegal Re-Aging Notice XXXX XXXX XXXX XXXX XXXX XXXX Account ending in [ last four digits if known ] This account originally became delinquent and was charged off in XXXX, yet Experian is reporting later Date Opened, Date Reported, or Date of Last Activity fields that falsely imply a more recent delinquency. 

I have not made any payments or entered into any new agreement with this creditor since the original default. Any update that changes the original date of delinquency constitutes illegal re-aging in violation of 15 U.S.C. 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 2 ). 

You are hereby required to provide written proof of the original Date of First Delinquency ( DOFD ) as supplied by the furnisher, or delete this account entirely for reporting beyond the lawful seven-year limit. Continued reporting of a re-aged account will be treated as willful non-compliance under 1681n and negligent non-compliance under 1681o, and I will include this violation in complaints filed with the CFPB, FTC, and State Attorney General.

Violations 1681e ( b ) : Failure to ensure maximum possible accuracy.

1681i ( a ) ( 1 ) ( A ) : Failure to conduct a lawful reinvestigation within 30 days.

1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable or conflicting information.

1681s-2 : Publication of inconsistent and inaccurate data furnished by creditors.

Formal Notice and Demand Provide the exact method of verification used for each disputed item, including the name, address, and phone number of every furnisher contacted.

DELETE all items listed above that can not be verified by original source documentation.

Issue a corrected credit report within XXXX  days of receipt of this letter.

Failure to comply will result in formal complaints to the CFPB, FTC, and State Attorney General, and the initiation of civil litigation in federal court seeking statutory, actual, and punitive damages under 1681n and 1681o, including attorneys fees and costs.

This is your final opportunity to bring my file into full compliance with federal law.

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