Consumer complaint received 2025-06-29 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:
FACTUAL VIOLATIONS IDENTIFIED XXXX XXXX XXXX XXXX XXXX  ( Account # XXXX ) Violation : Reporting a charge off without verifiable documentation or proper creditor validation. 
Law Breached : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to reasonably investigate a consumer dispute.

15 U.S.C. 1692g ( b ) Debt not verified before reporting.

12 CFR 1022.43 Inaccurate negative information must be corrected or deleted within 30 days. 
Supreme Court Support : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishers and CRAs must perform meaningful investigations. 

XXXX. XXXX XXXX XXXX ( Accounts # XXXX - Joint and Individual ) Violation : Duplicate reporting of the same account under different tradeline types ( Deposit & Unsecured ). 
Law Breached : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with knowledge of inaccuracy.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6827 ) Failure to safeguard nonpublic personal information. 
Supreme Court Support : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting duplicative or misleading tradelines violates the FCRA. 

XXXX XXXX XXXX ( Account # XXXX ) Violation : Reporting a charged-off balance ( {$330.00} ) after last payment posted XX/XX/XXXX, yet no monthly activity for 2 years. 
Law Breached : 15 U.S.C. 1681c ( a ) ( 4 ) Negative information must be accurate and timely.

15 U.S.C. 1681i ( a ) ( 5 ) Duty to delete unverifiable information. 
Supreme Court Support : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A CRA may be liable if a report causes actual harm and is inaccurate. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Violation : Reporting monthly charge-offs with a {$130.00} balance after alleged final delinquency in XX/XX/XXXX with no activity for over a year. 
Law Breached : 15 U.S.C. 1681i ( a ) Failure to correct or remove outdated, unverifiable data.

12 CFR 1022.42 Inaccurate aging and inconsistent updates. 
Supreme Court Support : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Even procedural violations of FCRA can give rise to actual damages if inaccurate data is shown. 

XXXX XXXX ( Account # XXXX ) Violation : XXXX XXXX delinquency in XX/XX/XXXX, account closed in XX/XX/XXXX. No supporting payment or delinquency data shown. 
Law Breached : 15 U.S.C. 1681e ( b ) Incomplete or misleading tradeline reporting. 
Supreme Court Support : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting outdated or unverified info can violate FCRA standards.

NOTICE OF DEMAND TO EXPERIAN RE : FORMAL DEMAND TO DELETE INACCURATE, UNVERIFIED, AND MISLEADING ACCOUNTS FCRA, FDCPA, GLBA, CFR VIOLATIONS NOTICE to : Experian Legal Compliance Department : I am a federally protected consumer. I am putting you on Notice and this NOTICE serves as a formal demand to immediately reinvestigate and permanently delete all accounts that have been identified as inaccurate, unverifiable, duplicative, misleading, outdated, or unlawfully reported on my Experian consumer report, pursuant to my rights under : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6827 Code of Federal Regulations ( CFR ) Title 12, 1022 The following accounts are in violation : XXXX XXXX XXXX XXXX ( Account # XXXX ) Unverified charge-off, no documented validation. 

XXXX XXXX XXXX ( XXXX tradelines, # XXXX ) Duplicate reporting, continuous inaccurate balance reporting. 

XXXX XXXX  ( Account # XXXX ) No payment activity since XX/XX/XXXX, yet still updating as active charge-off. 

XXXX XXXX XXXX Inconsistent delinquency reporting, aged account. 

XXXX  Incomplete reporting, no lawful verification of delinquency entry. 
Under 15 U.S.C. 1681i ( a ), Experian is obligated to conduct a reasonable reinvestigation of any disputed information within 30 days and to delete or correct all unverifiable or inaccurate information. Your failure to do so constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o and subjects you to statutory, actual, and punitive damages.

LEGAL CONSEQUENCES FOR NONCOMPLIANCE If you willfully or negligently continue to report inaccurate or unverifiable information, Experian shall be held liable for : Civil liability for damages under 15 U.S.C. 1681n and 1681o Punitive damages for willful noncompliance Complaints filed with : Federal Trade Commission ( FTC ) State Attorney General United States District Court SUPPORTING SUPREME COURT CASE LAWS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEMAND I hereby demand that Experian : Conduct a lawful reinvestigation of the accounts listed above ; Provide full documentation of verification from original creditors, including contract, statements, and proof of liability ; Delete any and all unverifiable, outdated, duplicated, or inaccurate data from my consumer report ; Confirm in writing, within 10 days of receipt, your intent to comply. 
Failure to respond lawfully within the statutory window will result in immediate legal action. 

Sincerely, 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