Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XXXX TO : Experian XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : LEGAL DEMAND FOR DELETION UNLAWFUL, INACCURATE, AND FACTUALLY INCONSISTENT REPORTING XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Account # : Balance : {$9900.00} Status : Voluntary Surrender Date Opened : XX/XX/XXXX | Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Original Balance : {$13000.00} To Whom It May Concern, This correspondence is a formal dispute and legal demand for immediate deletion of the above-referenced account currently being reported on my Experian credit file. 

The information provided by Experian regarding this account is factually inconsistent with the reporting found on XXXX, which legally confirms that no thorough or uniform investigation has occurred as required by FCRA 1681i ( a ) ( 1 ) ( A ) and FCRA 607 ( b ). 

REPORTING DISCREPANCIES GROUNDS FOR DELETION If a genuine investigation had taken place across all three bureaus, the reporting would be consistent. However : Experian shows the account status updated in XX/XX/XXXX, while XXXX  reports an update in XX/XX/XXXX. 

Experian lists the account as closed, while XXXX  simultaneously shows an active balance and inconsistent high-balance reporting for XXXX. 

Payment history breakdowns are conflicting and do not reflect consistent dates, late marks, or current account activity. 

These differences are not just discrepancies they are proof of negligent and unlawful credit handling, and violate the following laws : FCRA 1681e ( b ) Failure to assure maximum possible accuracy ; FCRA 1681i ( a ) Failure to reasonably investigate a dispute ; FCRA 623 ( a ) ( 1 ) ( A ) Failure of the furnisher to report accurate information ; FCRA 607 ( a ) Obligation to verify and update correct identifying and tradeline data. 

UNLAWFUL VALIDATION OF ACCOUNT WITH INCORRECT ADDRESS As with the XXXX  dispute, this account is tied to an undeliverable or inaccurate address I have never lived at, and no proof has been provided by Experian showing otherwise. This violates : FCRA 604 ( a ) ( 3 ) Information must only be provided with proper verification and permissible purpose ; FCRA 605B Failure to block disputed or identity-compromised data ; FACTA Red Flag Rules Failure to detect and act on identity theft signals ; FDCPA 807 False and misleading representations ; FDCPA 808 ( 1 ) Collection and reporting of amounts not authorized by agreement or law. 

Reporting inaccurate personal data is not just negligent it is legally actionable. 
DAMAGES & ONGOING HARM Due to this accounts continued unlawful reporting, I am suffering from : Loan and mortgage denials, which directly affect my ability to secure housing and financial tools ; Credit score suppression, based on false and unverifiable derogatory data ; Ongoing financial hardship and emotional distress, now intensified by Experians failure to correct these violations after my prior notice. 
This constitutes defamation, negligent injury, and mental distress, and creates grounds for litigation under FCRA 1681n, 1681o, and applicable state consumer protection laws. 

FINAL DEMAND FOR IMMEDIATE DELETION You are now formally demanded to : Immediately delete the XXXX XXXX XXXX account from my Experian credit report ; Provide me with written confirmation of deletion within 15 days ; Furnish documentation used to validate this debt, including proof of : Permissible purpose ; Address verification ; Proper furnisher verification and communication records.

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