Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
Subject : FINAL NOTICE Experians Willful Violations of the FCRA and TILA Immediate Deletion Demanded To Whom It May Concern, This letter serves as my final formal dispute and demand for immediate correction of multiple inaccurate, inconsistent, and unverified accounts being reported on my Experian credit file. Your failure to ensure factual accuracy and legal compliance in your reporting practices constitutes multiple willful violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other federal consumer protection laws.

Despite previous dispute attempts, you have refused to delete accounts that are clearly unverifiable, incomplete, and materially inconsistent across the three major credit bureaus. 

ACCOUNTS IN DISPUTE EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports a charge-off and multiple delinquencies with a {$0.00} credit limit and {$130.00} balance. No lawful payment structure is disclosed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistent past due balances, charge-off notation across nearly two years with no validation provided. No credit limit, last activity over 20 months ago. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian reports it as " Open '' with {$0.00} balance, while XXXX  and XXXX  report it as Charged Off with {$6900.00} due. Dispute remark is present with no supporting resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charged-off account, incorrect credit limit ( {$0.00} ), repeated CO notations without updated terms. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same errors ; incorrect credit limit, improper delinquency sequence, and lack of supporting documents.

COMPREHENSIVE LIST OF LEGAL VIOLATIONS Fair Credit Reporting Act ( FCRA ) 1681e ( b ) Failure to ensure maximum possible accuracy of the information reported.

1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information within 30 days.

1681i ( a ) ( 5 ) ( A ) Failure to delete or correct inaccurate or unverifiable information.

1681i ( 7 ) Failure to provide a description of the reinvestigation process when requested.

1681b ( a ) ( 2 ) Reporting of data without a permissible purpose.

609 ( a ) ( 1 ) ( A ) Failure to provide original documents verifying account validity upon request.

609 ( a ) ( 2 ) Failure to disclose the sources and users of the disputed information.

1681s-2 ( a ) Failure of furnishers ( e.g., XXXX XXXX XXXX ) to report data accurately or update corrected data. 

Public Law 91-508, Title VI, Section 611 Non-compliance with correction procedures for disputed information. XXXX XXXX XXXX Willful and negligent noncompliance with the FCRA, making Experian legally liable for damages. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. Failure to provide accurate and clear credit disclosures.

Regulation Z Omission of payment terms, interest structures, and repayment obligations for charged-off accounts.

Violation of disclosure timelines Many accounts reflect charge-off statuses with no documented notices of default or accurate billing statements.

DEMAND FOR RESOLUTION This is my final demand that all the above-mentioned accounts be deleted immediately from my Experian credit report due to their unverifiable nature and your clear noncompliance with multiple provisions of federal law.

I further demand that you provide the following within 15 calendar days : A full reinvestigation summary, as required by 15 U.S.C. 1681i ( 7 ).

Original contracts or signed documentation from the data furnishers as proof of account validation.

Written confirmation that all disputed accounts have been removed permanently.

FORMAL NOTICE OF ESCALATION If Experian fails to correct and delete these accounts within the legal timeframe, I will be filing formal complaints and legal actions with the following authorities : Federal Trade Commission ( FTC ) for deceptive reporting practices and data abuse State Attorney Generals Office for violations of state consumer protection laws XXXX XXXX XXXX ( XXXX  ) and Consumer Affairs for reputational complaint filing United States District Court for seeking statutory and punitive damages under FCRA 616617 You are hereby notified that continued failure to act will result in formal escalation and litigation if necessary.

CONCLUSION The law is clear. I have the right to a fair, accurate, and verifiable consumer credit report. Experians reporting practices have failed in that duty.

I expect written confirmation of deletion, documentation used in any verifications, and a complete summary of your investigation within 15 days.

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