Consumer complaint received 2025-11-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Date : Saturday, XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Re : FORMAL NOTICE OF DISPUTE DEMAND FOR IMMEDIATE REMOVAL WITHIN XXXX ( 4 ) DAYS Authority : 15 U.S.C. 1681c-2, FCRA, FDCPA, and Relevant Case Law To Whom It May Concern : This letter serves as a formal, aggressive, and legally binding dispute of multiple false, inaccurate, unverified, and unlawfully reported negative items on my Experian credit file. These entries violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the specific requirements of 15 U.S.C. 1681c-2, which mandates expeditiousspecifically within FOUR ( 4 ) BUSINESS DAYSdeletion of disputed information that can not be immediately verified.

Experian is hereby notified that the following accounts are being formally disputed for inaccuracy, incomplete reporting, unverifiable status, improper furnisher verification, and failure to meet strict FCRA requirements.

Under FCRA 1681i ( a ), you are required to conduct a reasonable reinvestigation. Under 1681c-2, if the furnisher does not provide complete, accurate, and timely verification, Experian must delete the information completely within FOUR ( 4 ) business days.

The U.S. Supreme Court has been clear that unverified or inaccurate information can not remain on a consumer report ( see XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). A reasonable investigation requires more than parroting data from furnishers. If you can not independently verify accuracy, you must remove the item. 

Furthermore, under the FDCPA ( 15 U.S.C. 1692e and 1692f ), debt collectors and furnishers may not report false, misleading, or unverified information. Continuing to do so exposes Experian to joint liability.

Below is each negative item Experian must delete immediately : NEGATIVE ITEMS TO DELETE IMMEDIATELY 1. Dept. of Education / XXXX Account ending : XXXX Reports 90-180 day late payments, past-due balance, and delinquency indicators. 

The reporting is inconsistent, incomplete, and lacks verification under 1681i. 

Violates XXXX documentation has been provided proving accuracy. 
DEMAND : Remove all late payments, past-due indicators, and derogatory marks immediately. 

2. XXXX XXXX Account ending : XXXX XXXX multiple late payments. 

Not consistent with actual payment records ; includes duplicate and conflicting entries.

Violates 1681e ( b ), as the report is not maximally accurate.

DEMAND : Remove all negative payment history.

3. XXXXXXXX XXXX XXXX Account ending : XXXX Reports late payments, including 30-day delinquencies, despite contradictory internal account data.

Account is marked closed, yet Experian continues to report late activity without proof.

Unverified reporting violates 1681i.

DEMAND : Remove all late payments and any derogatory marks.

4. XXXX XXXX XXXX XXXX ( XXXX  ) Account ending : XXXX Reported as charged-off, with 17 negative months, yet balance now shows {$0.00} after sale to another lender.

Experian is reporting obsolete, unverifiable, and already transferred information in violation of 1681c-2. 

Under XXXX v. XXXX, charge-offs must be updated accurately or removed entirely. 
DEMAND : Delete the entire tradeline. 

5. XXXX XXXX XXXX ( Collection ) Account ending : XXXX Original creditor : XXXX XXXX / XXXX Collection status reported without proof of ownership or chain of title. 

Under 1692g of the FDCPA, a collector must provide verification before reporting.

No validation has been provided, making the entry unlawful.

DEMAND : Delete the collection account in full.

LEGAL BASIS FOR REMOVAL 15 U.S.C. 1681c-2 Expedited Blocking/Removal Within Four Days If information is disputed and can not be verified IMMEDIATELY, Experian must delete it : The agency shall block the reporting of any information identified within 4 business days.

FCRA 1681i Reinvestigation Requirements You must perform a reasonable reinvestigationnot a superficial confirmation from the furnisher.

FCRA 1681e ( b ) Credit reports must be 100 % accurate and complete. Experian is knowingly reporting inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs must conduct independent and reasonable investigations. 

XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Inaccurate, unverified data can not remain on consumer reports. 

XXXX v. XXXX XXXX XXXX : CRAs are liable for negligent verification processes. 

FDCPA Violations Continued reporting of unverified, inaccurate, or incomplete information violates : 1692e : False or misleading representations 1692f : Unfair practices 1692g : Failure to validate before reporting DEMAND FOR ACTION I am invoking my rights under : 15 U.S.C. 1681c-2 ( four-day expedited deletion requirement ) 15 U.S.C. 1681i ( reinvestigation requirement ) 15 U.S.C. 1681e ( b ) ( accuracy requirement ) You have FOUR ( 4 ) BUSINESS DAYS to : DELETE all negative items listed above, or Provide full, complete, original contractual documentation and verifiable evidence supporting each disputed item ( not generic data or furnisher confirmation ).

If Experian fails to comply, I will not hesitate to file complaints with : CFPB FTC State Attorney General Private legal counsel for FCRA civil damages under 1681n and 1681o This letter serves as final notice before legal escalation.

I expect written confirmation of deletion within four ( 4 ) business days. 

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