Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : URGENT LEGAL DEMAND Method of Verification & Immediate Removal of Inaccurate Collection Accounts To Whom It May Concern, This letter serves as an official legal demand for full method of verification and immediate deletion of the following unverified and inaccurate collection accounts being reported on my Experian credit file.

You have confirmed these accounts as accurate, yet you have failed to provide lawful proof of validation. I am now demanding a full explanation and documentation of how and with whom these accounts were verified, per my rights under FCRA 611 ( 15 U.S.C. 1681i ).

DISPUTED ACCOUNTS DEMANDING IMMEDIATE VERIFICATION : XXXX XXXX XXXX Account # : XXXX Balance : {$960.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$230.00} XXXX XXXX XXXX Account # : XXXX Balance : {$690.00} LEGAL DEMANDS UNDER FEDERAL & COMMERCIAL LAW You are now required to provide, within 15 business days : The exact method of verification for each account. The name, mailing address, and contact information of the person or department who verified these accounts. All documentation used to support your continued reporting of these accounts. Proof of permissible purpose from the original creditor or collector per 15 U.S.C. 1681b. REPORTING UNVERIFIED DEBTS IS ILLEGAL You are now in violation of : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy. FCRA 1681i ( a ) : Inadequate reinvestigation of disputed accounts. FCRA 1681s-2 ( b ) : Continued reporting of unverifiable accounts. UCC 1-308 : I reserve my rights without prejudice. UCC 3-501 : You are required to produce the original signed obligation or remove the entry. Let it be known : A billing statement or vague confirmation from the furnisher is not lawful validation. I require actual proof of a signed obligation or legally binding contract for each account. If you can not produce this, the items must be removed immediately. FINAL WARNING BEFORE LEGAL ESCALATION If Experian continues to report these unverified accounts or fails to respond in full : I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney General. I will seek damages under 15 U.S.C. 1681n and 1681o for willful and negligent violations. Legal action will be pursued to obtain injunctive relief and compensation. This is your final opportunity to correct these violations. I expect written results and confirmation of deletions within 15 business days. This is a legal notice. Govern yourselves accordingly. Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : 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