Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX FINAL DEMAND FOR IMMEDIATE DELETION OF INACCURATE AND UNVERIFIABLE ACCOUNTS UNDER FCRA CFPB, FTC, and XXXX  Complaints Filed XXXX Resolution Required To Whom It May Concern, This letter serves as my final formal notice and demand for the permanent removal of multiple accounts currently reported on my credit file that are materially inaccurate, unverifiable, misclassified, or reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

This is not a request for correction or reinvestigation. I am asserting my rights under FCRA 1681i and 1681s-2 and demanding full deletion of the accounts below unless you can produce complete, original documentation from the original creditor to confirm the accuracy and legality of the reporting. 



DISPUTED ACCOUNTS XXXX. Fair Collections & Outsourcing ( XXXX  ) Balance : {$14000.00} Date Opened : XX/XX/XXXX Issue : No original creditor is listed. The account is misclassified as open on TransUnion and may not be verifiable. It does not appear consistently across all three bureaus. 
Resolution Demanded : Permanent deletion from all credit reporting agencies due to unverifiable and inconsistent reporting. 

XXXX. XXXX XXXX XXXX XXXX. 
Balance : {$460.00} Date Opened : XX/XX/XXXX Issue : Debt buyer account with no link to original creditor. Conflicting reporting across Equifax, TransUnion, and XXXX  as open in some cases and collection in others. 
Resolution Demanded : Full deletion due to unverifiable ownership, conflicting classification, and lack of original source validation. 

XXXX. XXXX XXXX XXXX XXXX : {$10000.00} Date Opened : XX/XX/XXXX Issue : The date opened is in the future, which is factually and legally invalid. No original creditor is shown, and the data is unverifiable and inaccurate under FCRA standards. 
Resolution Demanded : Immediate removal from all reports due to a blatant reporting violation. 



DOCUMENTS ATTACHED Copy of government-issued ID Proof of current address Screenshots of each disputed account with inaccurate details highlighted ADVERSE IMPACT STATEMENT These inaccurate, inconsistent, and unverifiable accounts are damaging my creditworthiness, limiting access to housing, transportation, employment, and essential financial products. The continued reporting of false or unverifiable data constitutes a direct violation of the FCRA and is inflicting measurable harm. 



RESOLUTION REQUIRED I am requesting the following resolution : XXXX. Immediate and permanent deletion of all accounts listed above XXXX. Written confirmation of removal within XXXX calendar days from your receipt of this notice XXXX. No further reporting of the disputed accounts unless you can fully verify them with original signed agreements and billing history from the original creditor If you fail to act in good faith within the timeline provided, I will immediately proceed with : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Reporting to the Federal Trade Commission ( FTC ) and XXXX  XXXX  XXXX  ( XXXX  ) Retaining legal counsel to pursue financial and statutory damages for violations under FCRA 1681n and 1681o Sincerely, 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