Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Date : XX/XX/XXXX To whom it may concern, This letter is a formal dispute regarding the inaccurate and unverifiable accounts listed on my credit report. The following items were purchased by Third Party Debt Collectors or reported as Charge-Offs, and must be deleted immediately under the Fair Credit Reporting Act ( FCRA ) and Senate Bill 5480, which requires complete and accurate reporting of all debt-related information. 
As shown on my attached credit report, the accounts below are reporting incorrect balances, inaccurate payment history, and unverifiable details regarding ownership or payment status. These accounts are in violation of FCRA Section 609 ( a ), Section 611, and Senate Bill 5480, which prohibits the reporting of debts that can not be properly validated with documentation or are inaccurately reported in any manner. 

Accounts to Be Deleted : 1. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Status : Third-party collection, marked " paid for less than owed. '' Violation : Reporting incorrect balance and resolution. DELETE IMMEDIATELY. 
2. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Paid charge-off with settlement accepted. 
Violation : Unverifiable settlement terms and inaccurate reporting. Covered under Senate Bill 5480. 
3. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Paid charge-off. 
Violation : No record of payment amount disclosed or verified. Reporting is incomplete and violates FCRA & SB 5480. 
4. XXXX XXXX Bank Account # : XXXXXXXX XXXX XXXX XXXX XXXX Status : Charge-off. 
Violation : Status and amount not verified. Inaccurate reporting across multiple bureaus. DELETE. 
5. XXXX XXXX Bank Account # : XXXXXXXX XXXX XXXX XXXX XXXX Status : Charge-off. 
Violation : No full documentation or accounting of balance history provided. Must be removed under SB 5480. 
6. XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Status : Charge-off. 
Violation : Conflicting balance and status information. Not compliant with Senate Bill 5480. 
7. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Charge-off reported by multiple bureaus. 
Violation : Inconsistent reporting and unverifiable status. DELETE IMMEDIATELY. 

Furthermore, how much did these collection companies pay to acquire these debts? This information is not present on my credit report, and without it, the reporting is not accurate, complete, or verifiable. 
This is a direct violation of FCRA and Senate Bill 5480 which states that unverified, inaccurate, or outdated debt must be removed. If these items are not deleted, I will pursue legal action and statutory damages of {$1000.00} per violation as allowed by law. 

Experian and Transunion have refused to be compliant in this matter or any other matter. They are completely refusing to follow the laws that I am protected under in the FCRA. I have given them them the laws under which I'm protected and they refuse to make changes. 

Thank you, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Last 4 of 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