Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : [ Insert Date ] Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute & Demand for Deletion of Inaccurate Accounts and Addresses Cease and Desist Negative Reporting Consumer Report File Number : [ Insert File Number ] To Whom It May Concern, I am writing to formally dispute the accuracy of the following information on my credit report, including inaccurate accounts and incorrect addresses. I demand immediate correction and deletion of inaccurate data as required by the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Address Dispute and Demand for Correction : Please be advised that my only valid and current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Any other addresses appearing on my credit report are inaccurate, outdated, and violate my rights under : FCRA 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report, including addresses. 

FCRA 1681i : Upon dispute, CRAs must conduct a reasonable reinvestigation to verify disputed information.

15 U.S.C. 1681c-2 ( a ) : Prohibits the reporting of outdated or incorrect personal information including addresses that are not current.

I demand immediate deletion of any addresses other than my current and valid address listed above.

Accounts to be Disputed and Legal Violations : XXXX XXXX XXXX Charge Card, Paid, Closed Violates FCRA 1681e ( b ) : Reporting closed and paid accounts as negative violates maximum accuracy requirements.

Violates FCRA 1681s-2 : Furnisher continues to report inaccurate information despite notice of payment and closure.

Violates FCRA 1681i : Failure to reinvestigate and correct after dispute. 

XXXX XXXX XXXX XXXX  , Paid , Closed Violates FCRA 1681e ( b ) : Account is closed and paid, yet reported negatively. 

Violates FCRA 1681s-2 : Furnishers failure to update or correct inaccurate info.

Violates FCRA 1681i : Failure to reinvestigate properly upon dispute. 

XXXX. XXXX XXXX Collection Account, Alleged Past Due Violates FCRA 1681i : No proper validation of alleged debt after dispute. 

Violates FCRA 1681s-2 : Reporting unverifiable debt.

Violates 15 U.S.C. 1681c-2 ( b ) : Reporting disputed debts without validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid, Closed, Never Late Violates FCRA 1681e ( b ) : Reporting paid, closed accounts as delinquent.

Violates FCRA 1681s-2 : Reporting false negative information.

Violates FCRA 1681i : Failure to reinvestigate and delete inaccurate info. 

XXXX. XXXX XXXX Charged Off / Negative Past Due Status Violates FCRA 1681e ( b ) : Reporting inaccurate negative status.

Violates FCRA 1681s-2 : Furnisher reporting without validation.

Violates FCRA 1681i : Lack of investigation after dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account, {$520.00} Past Due Violates FCRA 1681i : Insufficient validation/documentation after dispute.

Violates FCRA 1681s-2 : Reporting unverifiable debt.

Violates 15 U.S.C. 1681c-2 ( b ) : Improper reporting of disputed, unvalidated debt.

Violates 15 U.S.C. 605 ( b ) : Unauthorized disclosure of personal information. 

Emotional and Financial Impact : The continued inaccurate reporting of these accounts and incorrect addresses causes substantial emotional distress and financial harm, including damage to my credit standing, increased borrowing costs, and undue stress, violating my federally protected consumer rights. 

Cease and Desist Demand : I demand all negative reporting related to these accounts cease immediately unless full and proper validation is provided. I also demand deletion of any inaccurate addresses. Continued reporting of unverifiable or inaccurate information constitutes harassment and will be treated as willful violations of federal law. 

Please confirm in writing within 15 days that these entries and inaccurate addresses have been deleted or corrected on my credit report. Failure to comply will result in pursuing all available legal remedies under the FCRA, FDCPA, and other applicable consumer protection statutes. 

Thank you for your prompt attention. 

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