Consumer complaint received 2025-05-26 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:
This letter serves as a formal complaint and follow-up dispute regarding the continued inaccurate and unverifiable reporting of the accounts listed below. Despite prior disputes, these accounts remain on my credit file and continue to be reported with significant errors, directly violating multiple provisions under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Pursuant to FCRA Section 611, TILA ( 15 USC 1601 ), and related statutes, I demand the immediate removal of the following accounts due to their erroneous and unverified status : Accounts to be Deleted Immediately : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Discrepancy : Charge-off reported with differing high credit limits and payment histories ; Experian reflects extended delinquencies with severe inaccuracies. No record with XXXX, indicating inconsistent furnishing. 

XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Discrepancy : XXXX includes different dispute status, terms, and high credit limits. All three bureaus report charged-off status inconsistently. 

Violations and Legal Grounds for Deletion : Failure to Investigate Accurately 15 U.S. Code 1681i You failed to conduct a reasonable investigation within 30 days of receiving my dispute. No adequate response or clarification has been provided regarding the discrepancies I highlighted.

Inadequate Compliance Procedures 15 U.S. Code 1681e ( b ) Your bureau failed to maintain procedures ensuring maximum possible accuracy. The data continues to show conflicting reporting across bureaus for the same accounts. 

Furnisher 's Negligence 15 U.S. Code 1681s-2 The furnishers of these accounts have not corrected or verified the disputed information, despite being notified of the inaccuracies. 

Verification Failure 15 U.S.C. 609 ( a ) ( 1 ) ( A ) You have not provided original signed contracts or documentation verifying the validity of these accounts. Physical proof of the original agreements is required under federal law. 

Transparency & Accuracy ( TILA ) 15 U.S.C. 1601 The information reported has not been presented with the transparency and accuracy required by federal lending laws, thus harming my credit profile.

Public Law 91-508, Title VI, Section 611 A-D This law mandates that unverifiable or incorrect information must be removed from consumer reports, and your failure to do so is in direct violation.

Failure to Provide Description of Investigation 15 U.S. Code 1681i ( 7 ) You are legally required to provide a detailed description of your investigation process within 15 days of a dispute. I have yet to receive this. 

Resolution Requested : I am demanding the immediate deletion of the above-listed accounts from my credit file for failure to comply with the FCRA and TILA, as detailed in this complaint. The continued reporting of these accounts constitutes a legal violation, and I am requesting that this matter be escalated for regulatory review. 


Thank you for your attention. I request written confirmation of the removal of these accounts within 15 calendar 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