Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Date : [ Insert Date ] Experian P.O. XXXX XXXX XXXX, XXXX  XXXX Re : Formal Demand for Deletion of Inaccurate, Unverifiable, and Re-Aged Accounts To Whom It May Concern, This letter is a formal dispute and demand for deletion of inaccurate and unverifiable information contained in my Experian credit report dated XX/XX/XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., Experian is required to ensure the maximum possible accuracy of consumer information and to remove unverifiable data. 

Disputed Accounts 1. XXXX XXXX XXXX ( Acct ending XXXX ) Reported with conflicting balances ( {$290.00} vs. {$330.00} ). This violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ). 


2. XXXX Bank ( Acct ending XXXX ) Charged-off but reported with an unverifiable balance. Reporting unverifiable information violates FCRA 1681i ( a ) ( 5 ) ( A ). 


3. XXXX XXXX XXXX ( Acct ending XXXX & XXXX ) Reported as opened in XXXX, yet the Date of First Delinquency is XX/XX/XXXX. This is clear evidence of illegal re-aging, violating FCRA 1681c ( a ) ( 4 ) ( 7-year limit ) and 1681s-2 ( b ) ( duty to report accurate information ). 


4. XXXX XXXX Bank ( Acct ending XXXX ) Closed in XXXX but still reporting as derogatory without verification, violating FCRA 1681i ( a ) ( 1 ) ( A ). 



Disputed Inquiries The following hard inquiries dated XX/XX/XXXX and XX/XX/XXXX appear excessive and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Under FCRA 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a report when there is a permissible purpose or my written consent. I did not authorize these inquiries.

Legal Obligations FCRA 1681i ( a ) ( 1 ) ( A ) : Experian must conduct a reasonable reinvestigation within 30 days.

FCRA 1681i ( a ) ( 5 ) ( A ) : Any unverifiable, inaccurate, or incomplete information must be deleted immediately.

FCRA 1681c ( a ) : Negative information older than 7 years or re-aged beyond its lawful reporting period is prohibited.

FDCPA 809 ( b ) : Debt collectors must provide validation upon request ; failure to do so prohibits reporting. 


Formal Demand Unless Experian can provide documented proof directly from the original creditors including signed contracts and a full account history verifying the accuracy and lawful reporting dates I demand the permanent deletion of the above accounts and inquiries. 

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Michigan Attorney Generals Office, and to seek remedies in federal court under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

I expect written confirmation of deletions within 30 days of receipt of this dispute. 

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