Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PRIMARY VIOLATION CONTINUED REPORTING & FAILURE TO VERIFY This is my Round 2 notice. Experian has failed to properly reinvestigate and verify the items disputed in my prior certified letter. Instead of providing documentation or deletion, Experian manipulated account data and continued reporting inaccurate and unverifiable information a violation of the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 611, a consumer reporting agency must conduct a reasonable reinvestigation within 30 days and provide the results in writing. Experian has failed to do this.

Under 1681i ( 7 ), I am formally requesting the method of verification for each disputed account. Until proper documentation is provided, Experian is required to delete all unverifiable information under 1681i ( a ) ( 5 ) ( A ).

1 ) NAMES & ADDRESSES TO REMOVE Correct legal name : XXXX XXXX Primary address : XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX False name variations : XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Incorrect addresses to delete : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX Any XXXX, NY address tied to my file 2 ) DISPUTED ACCOUNTS WITH INACCURACIES XXXX XXXX Collection {$2300.00} Account No : XXXXXXXX XXXX XXXX  This account continues to report across bureaus with different account numbers, open dates, and DOFDs, proving Experians version is unverifiable under FCRA 1681e ( b ).

Experian has re-aged and modified the update date to appear recent violating 623 ( a ) ( 5 ) and 1681s-2 ( b ).

I never gave written consent to furnish or obtain my personal information, violating FCRA 1681b and FDCPA 1692cc.

Under 1692g, I demand full validation : wet-ink contract, itemized billing, and assignment documentation.

If documentation can not be provided, delete this account under 1681i ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX / Charge-off {$7200.00} Account No : XXXX This account shows discrepancies across bureaus in balance, payment history, and DOFD.

Experian is reporting outdated and unverifiable charge-off data.

This violates FCRA 1681e ( b ), 611 / 1681i, and 623 ( a ) ( 5 ).

If the furnisher can not produce the original wet-ink contract, repossession records, or ownership documentation, delete under 1681i ( a ) ( 5 ) ( A ).

New Account Recently Added Experian added a new account without permissible purpose or consent.

This violates FCRA 1681b and 1681s-2 ( b ).

I never authorized this company to access or furnish data.

3 ) LEGAL GROUNDS 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) 15 U.S.C. 1681i ( 7 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 611 / 1681i 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) 15 U.S.C. 1681b 15 U.S.C. 623 ( a ) ( 5 ) 15 U.S.C. 1692g 15 U.S.C. 1692cc 4 ) DEMANDS 1. Delete all unverifiable, inaccurate, or unauthorized accounts.

2. Provide written verification from each furnisher within 15 days.

3. Supply a corrected Experian credit report.

4. Notify all parties who received inaccurate information within 6 months.

5. If unresolved, I will file complaints with the CFPB, FTC, and State Attorney

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