Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX TO : Experian Information Solutions XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Demand for Deletion of Unverified Accounts and Notice of FCRA Violations To All Credit Reporting Agencies Listed Above : This correspondence serves as FORMAL NOTICE of your failure to comply with your statutory duties under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x. You have reported that certain accounts have been 'verified ' as accurate, yet you have provided NO evidence whatsoever of a valid investigation, contract, or documentation substantiating the alleged debts. 
You have violated multiple sections of the FCRA, including but not limited to : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation of disputed information.

- 15 U.S.C. 1681i ( a ) ( 2 ) ( B ) failure to provide all relevant information regarding the dispute to the furnisher.

- 15 U.S.C. 1681i ( a ) ( 4 ) failure to review and consider all information submitted by the consumer.

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) failure to promptly delete or correct inaccurate or unverifiable information.

- 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to ensure maximum possible accuracy.

- 15 U.S.C. 1681n willful noncompliance with FCRA requirements.

- 15 U.S.C. 1681o negligent noncompliance with FCRA requirements.

You have, in effect, 'parroted " furnisher responses rather than performing a reasonable reinvestigation. Courts have repeatedly held that merely accepting a furnisher 's unsubstantiated confirmation especially via automated systems such as e-OSCAR does NOT satisfy your legal obligations : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Accordingly, I hereby DEMAND the following actions be completed IMMEDIATELY : 1. Delete ALL accounts that you previously labeled 'verified ' where you can not produce ORIGINAL, SIGNED documentation directly linking me to the alleged debt.

2. Provide COMPLETE copies of all documents and communications obtained or reviewed during your reinvestigation, including : - The name, address, and telephone number of each furnisher you contacted ; - All documents supplied by each furnisher ; - Internal notes, reports, or records reflecting the basis for your 'verification ' determination ; and - Dates and times of all communications and the identity of the individual ( s ) you spoke to ( or company department ) during your reinvestigation.

3. Provide WRITTEN CONFIRMATION of deletion or correction and deliver copies of the above materials to me at the address listed above within FIFTEEN ( 15 ) CALENDAR DAYS of your receipt of this letter.

If you fail to comply within the time allotted, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for the Commonwealth of Pennsylvania. I will also evaluate and pursue CIVIL ACTION against you to recover actual damages, statutory damages, punitive damages, and attorneys ' fees under 15 U.S.C. 1681n and 1681o, and any other applicable state law remedies.

This letter puts you ON NOTICE. Continued reporting of unverifiable or inaccurate information after receipt of this letter will be treated as knowing and reckless disregard for the law and my rights under the FCRA. 
Sincerely, ____________________________ XXXX XXXX Identification ( for verification purposes only ) : XXXX ( XXXX XXXX ) : XXXX XXXX : XX/XX/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