Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : Formal Dispute of Inaccurate Collection Accounts To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) regarding the following accounts currently being reported on my Experian credit file. Each of these entries is inaccurate, unverifiable, and in violation of federal law and must be permanently deleted. 
Accounts in Dispute XXXXXXXX XXXX XXXXXXXX Account # XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  ) Account # XXXX Balance : {$210.00} XXXX  XXXX XXXX XXXX XXXX Creditor : XXXX ) Account # XXXX Balance : {$500.00} Collection XXXX XXXX XXXX Account # XXXX Balance : {$320.00} Collection XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX Account # XXXX Balance : {$1700.00} XXXX  XXXX XXXX XXXX XXXX Duplicate Reporting ) Account # XXXX Balance : {$1700.00} Collection Violations Conflicting balances ( XXXX XXXX XXXX XXXX XXXX {$1700.00} vs. {$1700.00} violates FCRA 623 ( a ) ( 1 ) ( A ) for furnishing inaccurate information. 
XXXX XXXX  : Reporting a {$0.00} balance but keeping the account active is misleading and inaccurate. 
All collectors listed : No original signed contracts, no chain of title, no security agreements provided.

FCRA 607 ( b ) : You have failed to maintain reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) : You must conduct a proper reinvestigation when a consumer disputes. Using the automated e-OSCAR system is not a lawful investigation. 
My Demand I demand immediate deletion of all XXXX accounts unless you can verify each one with : The original signed contract bearing my signature with the creditor, The security agreement or collection contract between creditor and collector, The complete chain of title showing assignment of the debt, A reconciled accounting of balances ( to address conflicting reporting ). 
You are further instructed that verification must be performed manually, with competent evidence, not through the e-OSCAR automated system. Reliance on e-OSCAR constitutes failure to investigate under FCRA 611 ( a ) and will be treated as willful noncompliance. 
Notice of Legal Remedies You have 15 days from receipt of this letter to complete your reinvestigation and provide me with written verification of each account or remove them entirely. 
If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office, and I will pursue civil litigation under 15 U.S.C. 1681n for damages, attorneys fees, and punitive damages. 
Sincerely, XXXX 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