Consumer complaint received 2025-01-02 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: LA

Complaint narrative:
I am writing to formally escalate my previous dispute regarding inaccurate and unverifiable information that is currently being reported on my credit file. I previously submitted multiple disputes, but I have received a response stating that the items in question were " verified. '' Upon review, I must inform you that this verification is insufficient and does not meet the standards required by the Fair Credit Reporting Act ( FCRA ). As such, I demand a more thorough investigation and immediate removal of the following items : XXXX  XXXX ( Late {$73.00} ) XXXX  XXXX ( {$360.00} ) XXXX XXXX XXXX ( {$3000.00} ) XXXX XXXX XXXX ( {$1900.00} ) XXXX XXXX XXXX  ( Late ) XXXX XXXX XXXX {$200.00} ) Under the FCRA, you are legally obligated to report only accurate and verifiable information. The items listed above have not been substantiated with sufficient evidence or documentation to prove their accuracy. Simply marking these items as " verified '' without providing supporting documents such as original account records, payment history, and other pertinent details is not sufficient to satisfy the legal requirements for credit reporting. 

I hereby demand the following actions : Immediate removal of the above-mentioned items from my credit report, as they can not be verified as accurate or substantiated with proper documentation. 
If you claim that any of the information is accurate, I request that you provide me with the following evidence for each item : A copy of the original contract or agreement associated with each account. 
A detailed payment history for each account. 
Documentation showing the dates of account charge-off, late payments, and any payment arrangements. 
I expect a detailed response outlining the steps taken to verify this information, including the specific documentation that was reviewed. 
If the information can not be verified within 30 days of your receipt of this letter, I demand the immediate deletion of these items from my credit report in accordance with the FCRA. 

Please be advised that if this matter is not resolved promptly, I will be forced to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I will explore the option of pursuing legal action to address the violations of my rights under the FCRA. 

Failure to comply with this request in a timely manner will leave me no choice but to escalate this matter further, as I will not allow inaccurate information to continue damaging my credit profile. 

Please confirm receipt of this dispute and provide a written response within 30 days. 

And stop sending stall letters to prolong this issue!

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