Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
Subject : Follow-Up Dispute Verification Continued FCRA and TILA Violations Immediate Action Required To Whom It May Concern, I am writing you not just as a consumerbut as a person whose financial integrity has been severely harmed due to your continued negligence and disregard for federal law. Despite prior disputes and attempts to resolve this matter amicably, your bureau continues to report inaccurate and unverifiable data on my credit profile. This has gone far beyond a clerical issue. What you are doing is unlawful, and I now must take further steps to protect my rights. 
Disputed Account Details : * Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} * Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian XXXX XXXX  ) * Last Active Date : XX/XX/XXXX ( XXXXXXXX XXXX EX ), XX/XX/XXXX ( XXXX ) * Last Payment Date : XX/XX/XXXX * Last Reported : XX/XX/XXXX ( XXXX & EX ), XX/XX/XXXX ( XXXX ) * Account Status : Derogatory / Collection / Charged Off * Dispute Comments : * XXXX XXXX " Charged off as bad debt. Dispute resolved ; reported by XXXX '' * Experian : " Account was in dispute now resolved by subscriber '' * XXXXXXXX XXXX  " Account previously in dispute now resolved by data furnisher '' Summary of Harm : This continued derogatory reportingdespite the lack of proper verificationhas not only violated my legal rights under federal law, but it has also caused me real and lasting harm. I have been denied credit opportunities. I have experienced heightened financial stress. My ability to qualify for housing and personal financial stability has been damaged and all based on information you can not legally prove. 

Violations and Legal Deficiencies : You are now on formal notice that your handling of this account directly violates multiple federal consumer protection laws : 1. Failure to Conduct a Complete Investigation ( 15 U.S. Code 1681i ) I submitted a dispute on this account, and your bureau failed to properly investigate within the 30-day limit. You merely verified the account without providing documentation or meaningful inquiry.

2. Failure to Ensure Accuracy and Fairness ( 15 U.S. Code 1681e ( b ) ) You are required to have procedures in place to ensure the maximum possible accuracy of credit data. The discrepancies between TransUnion, Experian, and Equifax are proof that you do not. 
3

. Lack of Physical Verification as Required ( 15 U.S. Code 609 ( a ) ( 1 ) ( A ) ) You are obligated to verify accounts through original signed contracts or documentation. None has been provided. This account should not exist on my report under these conditions.

4. Failure to Remove Unverifiable Information ( 15 U.S. Code 1681i ( a ) ( 5 ) ) Since no documentation has been provided, you are obligated by law to remove the account.

5. Violation of Truth in Lending Act ( TILA ) ( 15 U.S. Code 1601 ) The reporting of this debt lacks transparency, accuracy, and fairness directly harming my rights to accurate credit disclosures.

6. Violation of Public Law 91-508, Section 611This law mandates strict compliance procedures for the reinvestigation of consumer disputes. You have not met these standards in any meaningful way. 
7. Violation of Section 1681s-2Information furnishers ( in this case, the creditor ) failed to conduct a reasonable reinvestigation after notification of dispute, as required. 

Additional Human Impact : I am not a file or a data point. I am someone working to build a stable financial life, provide for my family, and recover from the damage caused by this unlawful reporting. This accountreported inconsistently across bureaus, marked with vague and self-serving dispute resolved statementsremains unverified, inaccurate, and harmful. 

My Demand : I am requesting immediate deletion of this account across all three credit bureaus. If you can not provide : * A signed original contract, * Itemized billing records, and * Proof of assignment or liability, then by law, this account must be removed. 
Additionally, under 15 U.S. Code 1681i ( 7 ), you are required to send me a complete description of the reinvestigation process within 15 days of receiving this letter. I have yet to receive any such information, further proving your non-compliance.

Next Steps : If this account is not removed within 5 business days, I will escalate this matter immediately by : * Filing formal complaints with the FTC, and State Attorney General, * Seeking civil damages under FCRA 616 & 617, including punitive damages and attorneys fees, * Notifying media and legal advocacy outlets of this repeated abuse of consumer rights. 
This is my final attempt to resolve this issue directly.

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