Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date : XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX  TX XXXX Re : FORMAL NOTICE OF COMPLIANCE FAILURE AND DEMAND FOR PERMANENT DELETION FCRA FILE XXXX XXXX XXXXXXXX Dear Experian XXXX Department XXXX This letter is a formal complaint and dispute under the Fair Credit Reporting Act ( 15 U.S.C . 16811681x ) and the Fair Debt Collection Practices Act ( 15 U.S.C.

16921692p ) regarding multiple inaccurate and unverifiable entries on my Experian credit file. These entries violate your statutory obligations to ensure maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to reinvestigate any disputed item within 30 days of receipt of this notice. If you can not obtain verified, original- source documentation proving each items accuracy, you are legally obligated to delete it under 1681i ( a ) ( 5 ) ( A ).

Below is a detailed list of items that must be permanently deleted unless verified by direct, original documentation : 1.

U.S. Bankruptcy Court Eastern District of Wisconsin ( Dismissed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) These filings were dismissed, not discharged. Reporting them as active or adverse public records constitutes a violation of 15 U.S.C. 1681e ( b ) ( duty to ensure maximum possible accuracy ).

A dismissed bankruptcy does not indicate insolvency or default and should not appear as a derogatory entry.

Additionally, 15 U.S.C. 1681c ( a ) ( 1 ) prohibits the reporting of outdated or misleading public records. Unless Experian can provide certified verification directly from the U.S. Bankruptcy Court, these records must be permanently deleted for being unverifiable and misleading.

2.

Self Financial / Lead Bank Charge-Off ( {$180.00} ) This tradeline reports conflicting data a charge-off and active balance, which violates FCRA 1681e ( b ) and CFPB Regulation V.

Additionally, Experian has failed to confirm whether the furnisher ( Self/Lead Bank ) provided certified validation.

If you can not confirm the accuracy of each data point from original source records, this entry must be deleted as incomplete and unverifiable under 1681i ( a ) ( 5 ).

3.

SBNASelfLndr / Self Financial Installment Account ( {$160.00} ) This item contains inconsistent payment history and account status. If the account was closed, it can not legally report a past due or open balance. These inaccuracies violate FCRA 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ) ( furnisher accuracy obligations ).

If Experian can not validate this accounts current standing, it must be deleted immediately.

LEGAL BASIS FOR DELETION Pursuant to : 15 U.S.C. 1681e ( b ) : Obligation to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Duty to reinvestigate disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) : Obligation to delete unverifiable information.

15 U.S.C. 1681s-2 ( b ) : Furnishers duty to investigate disputed data.

15 U.S.C. 1681n / 1681o : Liability for willful or negligent noncompliance ( actual and punitive damages ).

15 U.S.C. 1692g ( b ) : FDCPA debt validation requirement prior to reporting.

You are hereby placed on formal legal notice that any continued reporting of inaccurate, incomplete, or unverifiable information will result in : Filing of a formal CFPB complaint, Wisconsin Attorney General consumer protection complaint, and Private right of action in federal court for statutory and punitive damages.

DEMAND FOR ACTION I demand that Experian : 1. 2. 3. 4. Conduct a full reinvestigation of each disputed account.

Obtain certified documentation directly from the original creditor or public source.

Permanently delete all unverifiable, inaccurate, or misleading items.

Provide written confirmation and an updated copy of my credit file within 30 days.

Failure to comply within the statutory period will be treated as willful noncompliance under federal law. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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