Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFFIDAVIT OF DISPUTE & FORMAL NOTICE OF INACCURATE REPORTING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/year> SSN : XXXX Email : XXXX Phone : XXXX Date : __________________ To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : AFFIDAVIT OF DISPUTE Inaccurate, Unverified, and Legally Defective Reporting Under the FCRA & FDCPA To Whom It May Concern, I am submitting this sworn affidavit of dispute regarding multiple inaccurate, incomplete, and unverified entries reported under my credit file. These errors are materially damaging my creditworthiness, affecting my ability to obtain housing, credit, and essential financial services. 
I have never given written consent for any company, collector, or bureau to furnish or obtain my personal information. 
I. PERSONAL INFORMATION CORRECTION Correct Name : XXXX XXXX XXXX XXXX Correct Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Outdated/Incorrect Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. DISPUTED ACCOUNTS ( Unverified & Reported Inaccurately ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} Conflicting collector names Missing DOFD on at least XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} Missing DOFD on Experian Conflicting narrative codes & update dates XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} DOFD missing on Experian Inconsistent status updates & possible illegal re-aging III. DEBT VALIDATION DEMAND 15 USC 1692g ( b ) For each collection, I demand : 1. Full accounting & payment history from day one 2. Original contract with my wet signature 3. Proof of written consent to access my information 4. Chain of title showing legal right to collect 5. Any insurance claims associated with this debt 6. Detailed itemized statements 7. Proof of assignment & ownership transfer 8. Full method of verification per FCRA 1681i ( 7 ) Continued reporting without validation violates : FDCPA 1692g ( b ) FDCPA 1692cc FCRA 611 ( 15 USC 1681i ) FCRA 1681e ( b ) FCRA 1681i ( 5 ) ( A ) IV. LEGAL DEFINITIONS ( For Clarity ) 15 USC 1692g Collector must validate debt upon request.

15 USC 1692cc Prohibits collection without proper validation.

15 USC 1681e ( b ) Bureaus must report with maximum possible accuracy.

15 USC 1681i ( 5 ) ( A ) Unverifiable info must be deleted.

FCRA 611 Requires reasonable reinvestigation.

UCC Consumer Rights Collector must prove lawful contract & ownership. V. DEMANDS 1. Delete all inaccurate/unverified entries.

2. Correct all personal identifying information.

3. Provide an updated corrected credit report.

VI. NOTICE OF LEGAL INTENT Failure to comply will result in CFPB, FTC, and Attorney General complaints, and legal action under FCRA 616 & 617 for willful/noncompliant reporting. 
Sincerely, _____________________________ XXXX XXXX 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