Consumer complaint received 2025-09-09 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, FL XXXX XXXX Date : XX/XX/XXXXXXXX  TO : Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX RE : IMMEDIATE REMOVAL OF INACCURATE ADDRESSES AND UNVERIFIED NEGATIVE ACCOUNTS FROM MY CREDIT FILE To Whom It May Concern, I am writing to demand the immediate removal of inaccurate personal information and unauthorized negative accounts being reported on my Experian credit file. The following items are causing significant emotional distress, financial strain, and are being reported in violation of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

REMOVE ALL INACCURATE ADDRESSES IMMEDIATELY The only valid and authorized address for reporting is : XXXX XXXX XXXX XXXX, XXXX, FL XXXX All other addresses are inaccurate, outdated, and unauthorized, and must be immediately removed. Reporting false personal identifying information violates FCRA 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

REMOVE CLOSED ACCOUNT XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Status : Paid and Closed as of XX/XX/XXXX Original Balance : {$2900.00} This account is fully paid and closed, and continued reporting of this obsolete information does not reflect my current creditworthiness. It is irrelevant, misleading, and in violation of FCRA 605 ( a ) ( 5 ). 

REMOVE COLLECTION ACCOUNT XXXX XXXX XXXX/ XXXX  Account # : XXXX Opened : XX/XX/XXXXXXXX  Original Balance : {$210.00} Status : Collection ( Balance Paid ) You are reporting a third-party collection account without proper validation, documentation, or my consent. Under FCRA 611 ( a ) and FDCPA 809 ( b ), you are required to verify and validate any account being reported. This has not been done. This item is therefore unauthorized and must be deleted. 

REMOVE COLLECTION ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account # : XXXX Opened : XX/XX/XXXX Original Balance : {$640.00} Status : Debt Buyer, {$500.00} Balance XXXX XXXX  is a debt buyer and has failed to provide legal documentation, including proof of assignment, validation of the debt, and chain of custody from the original creditor. Under FCRA 623 ( a ) ( 5 ) and FDCPA 807, this is false, misleading, and must be removed from my report. 

EMOTIONAL & FINANCIAL HARDSHIP The continued reporting of these false, inaccurate, and unverified negative accounts has caused me : Ongoing emotional distress Denials of credit Inflated interest rates Damage to my reputation Loss of financial opportunities This reporting has harmed my ability to live a financially stable life, and I will no longer tolerate the reckless mishandling of my consumer data. 

CEASE AND DESIST DEMAND You are hereby instructed to CEASE AND DESIST from reporting inaccurate, outdated, and unverifiable negative information on my consumer report without my explicit consent or full legal validation of any alleged debt. 

You have no legal right to continue reporting any account that can not be fully validated and substantiated with original creditor documentation. 

I AM FILING FORMAL COMPLAINTS Due to the harm caused by your continued reporting of this inaccurate and unverifiable information, I have already initiated complaints with the following agencies : This is not a request it is a demand for immediate compliance with federal law and the removal of the above-listed items within 15 calendar days of your receipt of this letter.

Please provide written confirmation once all deletions have been completed. 

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