Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS DOCUMENT AND ALL ENCLOSED MATERIALS HAVE BEEN SENT BY ME PERSONALLY.

Under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ), I am formally submitting this dispute regarding inaccurate information on my credit report. I am invoking my federally protected rights and expect immediate compliance. Any attempt to delay, obstruct, or misrepresent this dispute will be treated as a willful violation of federal law.

Your institution has a documented history of noncompliance, including : XXXX  ( XXXX ) Fined {$15.00} XXXX by the Consumer Financial Protection Bureau ( CFPB ) for failing to investigate consumer disputes, disregarding submitted evidence, and reinstating previously deleted inaccuracies. 
Experian ( XXXX ) Sued by the CFPB for fraudulent dispute handling, including re-inserting incorrect data without proper review. 
XXXX  ( XXXX ) Lost a {$60.00} XXXX federal lawsuit for falsely flagging consumers as security threats, violating the FCRA and causing severe financial harm. 
MANDATORY RESPONSE REQUIREMENT To ensure my dispute is processed correctly, I require a written response sent to the following address : Additionally, I require written confirmation of receipt within 14 business days of your receipt of this dispute.

NOTICE OF LEGAL ACCOUNTABILITY Failure to comply with 15 U.S.C. 1681i ( failure to reinvestigate ) will result in legal escalation. Under 15 U.S.C. 1681n & 1681o, noncompliance may trigger : Statutory damages Actual damages Punitive damages Reimbursement of attorneys fees THIS DOCUMENT, ALONG WITH ALL ENCLOSED MATERIALS, HAS BEEN SENT BY ME PERSONALLY Failure to comply will result in immediate complaints being filed with the CFPB, FTC, and my State Attorney Generals office. Sincerely, Page 1 of 5 I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CollectionOrChargeOff Revolving -- UNPAID BALANCE REPORTED AS A LOSS BY XXXX XXXX XXXX -- Experian Individual Closed {$470.00} XXXX XXXX XXXXXXXX XXXX -- Account # : Account Description : Account Status : XXXX Account Rating : XXXX XXXX Account Type : Balance Owed : XXXX XXXX Closed Date : Credit Limit : XXXX XXXX Creditor Remarks : Creditor Type : Date Reported : XXXX XXXX Date Opened : XXXX Date of Last Activity : XXXX High Balance : XXXX XXXX Last Payment : Last Verified : Past Due Amount : XXXX XXXX XXXX -- Payment Amount : -- CollectionOrChargeOff XXXX XXXXXXXX Loan Type : XXXX - XXXX recently reviewed my credit report and found that the account XXXX XXXX XXXX XXXX with number XXXX is reporting as CollectionOrChargeOff. According to your records, this account was opened on XXXX with a last activity date of XXXX. This information is incorrect, and I kindly request that you delete this account from my report. 
Dispute Status : XXXX Payment Frequency : XXXX -- Term Length : XXXX -- Payment Status : XXXX Page 2 of 5 You indicated the last verified date as XXXX. In compliance with 15 U.S.C. 1681s-2, I request you provide the information you used to verify this account. Additionally, I need documentation for the {$470.00}, as I believe this amount is inaccurate. 
As established in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), incorrect data must be updated or removed. I look forward to your swift response. 
Also, see the image above for XXXX XXXX XXXX XXXX  ( XXXX ) ( XXXX ). Ive highlighted and circled additional areas of concern. 
I was looking at Date Opened ( XXXX ) expressing XXXX It is imperative that you make sure the information in your records complies with all industry standards for accuracy. I am shocked to see deviations from mandatory regulations and compliance guidelines for this account! It's clear there must be some kind of error -- please delete this account immediately! Fix things before more damage gets done. 
I want to bring to your attention Account Description reporting Individual. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. 
I was looking at Account # ( XXXX ) expressing XXXX The accuracy of what youre reporting for this account is in question, and as such I demand that it be fixed immediately or else there will be legal action taken against you. 
When I scrutinized Payment Status ( XXXX ) presenting CollectionOrChargeOff. The information reported doesn't seem to meet the standards set by XXXX XXXX guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this inaccurate record from my report or provide proof of your compliance with applicable standards. 
When I scrutinized Date Reported ( - ) presenting XXXX. It appears there is a problem with the data reported because it doesn't meet required standards. The information may not be accurate due to deviations from what's needed in compliance with XXXX XXXX guidelines, so You must make sure all fields are filled out correctly according to those standards PRIOR to adding anything to my credit profile! 
I was looking at Credit Limit ( XXXX ) expressing XXXX We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! 
According to the law, you and data furnishers must certify all aspects of required FCRAXXXX XXXX compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my rights or civil freedoms! 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters.you did not process my letters in a timely manner, I consider it to be an intentional disregard of my rights. I will then take lawful action.

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