Consumer complaint received 2025-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Deletion of Inaccurate Accounts FCRA 611 ( a ) ( 1 ) ( A ) Dear Experian, I am writing to formally dispute the accuracy of the accounts listed below that appear on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), Experian is required to conduct a full and proper reinvestigation of disputed information within XXXX days of receiving this request. 
Automated systems such as e-Oscar do not satisfy the legal requirements for a reasonable investigation or for disclosure of your Method of Verification ( MOV ). If Experian can not verify each of the following accounts through independent and verifiable documentation, they must be deleted immediately from my credit report. 
Failure to comply will constitute a violation of your obligations under the FCRA, and I will be prepared to pursue all legal remedies available to me, including but not limited to legal action against the furnishers and Experian. 
Please remove the following accounts from my credit file : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Please provide a written Method of Verification for each account you claim to have verified, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). If you can not verify the accuracy of these accounts through appropriate documentation, they must be deleted immediately from my report. 
I expect written confirmation within XXXX  days of receipt of this letter that these deletions have been completed or that proper verification has been provided. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX 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