Consumer complaint received 2025-05-19 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: PA

Complaint narrative:
Final Notice Demand for Immediate Deletion of Unverified Accounts and Notice of Intent to Pursue Civil Action_______________ I am writing in regard to my prior request, dated XX/XX/XXXX sent by Certified Mail Return Receipt requested, submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681g ( Section 609 ) and 15 U.S.C. 1681i ( Section 611 ). An FTC complaint has been filed. _______________ You were required by law to provide complete documentation and verification of the accounts listed in my previous correspondence within 30 days. _________ To date, you have failed to comply fully with my lawful request. _________ * * Therefore, you are now in violation of the following laws : * * _________ - * * 15 U.S.C. 1681g * * Failure to provide proper disclosure._________ - * * 15 U.S.C. 1681i * * Failure to properly investigate disputed information._________ - * * 15 U.S.C. 1681n * * Willful noncompliance ( subject to punitive damages ) ._________ - * * 15 U.S.C. 1681o * * Negligent noncompliance ( subject to actual damages ) ._________ Under these statutes, I am entitled to : _________ - Actual damages, _________ - Punitive damages, _________ - Court costs, and_________ - Attorneys fees._________ * * You are hereby given 15 calendar days from the receipt of this letter * * to delete the following accounts from my credit report : _________ ( 1 ) Reported Creditor : XXXX XXXX XXXXXXXX XXXX XXXX_ Reported Date Opened : XX/XX/XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : Block & Remove Immediately ________________ ( 2 ) Reported Creditor : XXXX  _____ Reported Date Opened : XX/XX/XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : Block & Remove Immediately ________________ ( 3 ) Reported Creditor : XXXX XXXX XXXXXXXX XXXX Reported Date Opened : XX/XX/XXXX XXXX Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : Block & Remove Immediately ________________ ( 4 ) Reported Creditor : XXXX XXXX XXXX  _____ Reported Date Opened : XXXX XXXX, XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : Block & Remove Immediately ________________ ( 5 ) Reported Creditor : XXXX XXXX XXXX XXXXXXXX _____ Reported Date Opened : XX/XX/XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : Block & Remove Immediately ________________ ( 6 ) Reported Creditor : XXXX XXXX XXXX _____ Reported Date Opened : XXXX XXXX, XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : Block & Remove Immediately ________________ ( 7 ) Reported Creditor : XXXX XXXX XXXX XXXX _____ Reported Date Opened : XXXX XXXX, XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : Block & Remove Immediately ________________ ( 8 ) Reported Creditor : XXXX _____ Reported Date Opened : XX/XX/XXXX _____ Reported Acct # XXXX XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : Block & Remove Immediately ________________ ( 9 ) Reported Creditor : XXXX _____ Reported Date Opened : XX/XX/XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : Block & Remove Immediately ________________ ( 10 ) Reported Creditor : US DEPT OF EDXXXX XXXX Reported Date Opened : XX/XX/XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : Block & Remove Immediately ________________ ( 11 ) Reported Creditor : XXXX XXXX _____ Reported Date Opened : XX/XX/XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : Block & Remove Immediately ________________ ( 12 ) Reported Creditor : SELF FINANCIAL/LEAD BA _____ Reported Date Opened : XX/XX/XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : Block & Remove Immediately ________________ ( 13 ) Reported Creditor : XXXX XXXX XXXX _____ Reported Date Opened : XXXX XXXX, XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : Block & Remove Immediately ________________ ( 14 ) Reported Creditor : XXXX XXXX XXXX _____ Reported Date Opened : XX/XX/XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : Block & Remove Immediately ________________ If you fail to delete the accounts within this time period, I will be forced to : _________ - Pursue remedy with the Consumer Financial Protection Bureau ( CFPB ), _________ - Pursue remedy with the Federal Trade Commission ( FTC ), _________ - Pursue remedy with the state attorney generals office, and_________ - Initiate a civil lawsuit in federal court to seek damages as provided under 15 U.S.C. 1681n and 1681o._________ This letter serves as * * your final notice * *. I would prefer to resolve this matter amicably without court intervention ; however, I will pursue all legal remedies available to me if necessary. _________ Please govern yourselves accordingly._________

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