Consumer complaint received 2025-05-06 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: NM

Complaint narrative:
b'RE: Formal Demand for Deletion of Inaccurate Information Under FCRA and New\XXXX  Law\nPrevious Dispute Reference Numbers: XXXX XXXX XXXX XXXX XXXX XXXX XXXXnTo Whom It May Concern:\nPursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i, 1681e(b), 1681g,\n1681h and New Mexicos Unfair Practices Act (N.M. Stat. Ann.  57-12-1 et seq.), I\nformally demand the immediate deletion of inaccurate, unverified, and unlawfully\nreported information from my credit file. Despite eight prior disputes, Experian continues\nto violate federal and state law by refusing to correct or remove this data.\nDisputed Items:\n1. XXXX  XXXX  (Account XXXX XXXX XXXX XXXXnIssue: Incorrect charge-off status and falsified delinquency/last activity dates.\nFCRA Violation:  1681e(b) (failure to maintain reasonable accuracy procedures).\n2. XXXX XXXX XXXX (Account XXXX)\nIssue: Misreported delinquency date, incorrect date of last payment, inaccurate payment\nhistory unlawfully extending reporting beyond the FCRAs XXXX-year limit.\nFCRA Violation:  1681c(a)(4) (expired reporting period).\n3. XXXX XXXX XXXX XXXX XXXX XXXX XXXXnIssue: Duplicate reporting with conflicting information (mirroring Account #1).\nFCRA Violation:  1681e(b) (failure to prevent duplication).\n4. ADDRESS: XXXX XXXX XXXX XXXX XXXX 84066-9100\nIssue: Fraudulently associated with my identity; violates Metro 2 standards and 15\nU.S.C.  1681e(b).\nSupporting Evidence: Attached proof of residency (NM address) and affidavit of non-\nassociation.\nLegal Basis for Demand:\n1. FCRA Violations:\n-  1681i(a)(1)(A): Requires Experian to reinvestigate and delete unverifiable items.\n-  1681e(b): Mandates reasonable procedures to ensure accuracy.\n-  1681g & 1681h: Obligates disclosure of verification documentation.\n2. New Mexico Unfair Practices Act (N.M. Stat. Ann.  57-12-3): Prohibits deceptive\ntrade practices, including reporting known inaccuracies.\n3. Precedent: CFPB v. Experian (XXXX XXXX XXXX Highlights Experians\nsystemic FCRA violations, supporting claims of negligent reinvestigation.\nDemands for Compliance:\n1. Delete All Disputed Items: Remove the two XXXX XXXX XXXX XXXXnaccount, and Utah address within XXXX days.\n2. Provide Verification Documentation: Original signed contracts, payment histories, and\ndelinquency verification per  1681g.\n3. Disclose Reinvestigation Procedures: Furnish written description of methods used, as\nrequired by  1681i(a)(7).\n4. Issue Corrected Credit Report: Mail updated report to my verified New Mexico\naddress and notify all third parties who received the report in the last six months.\nNotice of Escalation:\nFailure to comply within XXXX days will result in:\n- Dual complaints to the Consumer Financial Protection Bureau (CFPB) and New Mexico\XXXX XXXXn- Litigation in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for New Mexico seeking:\n- Statutory damages under FCRA  616617.\n- Treble damages and attorneys fees under N.M. Stat. Ann.  57-12-10.\nResponse Requirements:\n1. Acknowledge receipt in writing within 5 business days.\n2. Complete all demands by XXXX XXXX 2025.\nEnclosures:\n- Government-issued ID (partial redaction for security).\n- Proof of NM residency (utility bill).\n- Prior dispute correspondence.'

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