Consumer complaint received 2026-02-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX Experian Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE AND DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE, UNVERIFIABLE, FRAUDULENT, AND/OR UNRECOGNIZED INFORMATION To Whom It May Concern : I, XXXX XXXX the consumer identified above, am submitting this FORMAL DISPUTE pursuant to the Fair Credit Reporting Act ( FCRA ) after reviewing my credit report and identifying information that is being reported incorrectly, unfairly, unverifiable, fraudulent, and/or not recognized by me. Federal law requires that credit reports be fair, accurate, complete, and verifiable. Any account that does not meet these requirements MUST BE REMOVED IMMEDIATELY. ACCOUNTS IN DISPUTE CAPITAL 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LEGAL BASIS REQUIRING REMOVAL This dispute is submitted pursuant to the following federal laws, which YOU ARE REQUIRED TO COMPLY WITH : 15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 15 U.S.C. 1681i ( a ) ( 1 ) Requires reinvestigation and verification of all disputed information. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires the immediate deletion of any information that can not be verified. 15 U.S.C. 1681c ( a ) Prohibits the reporting of inaccurate, improper, or obsolete information. 15 U.S.C. 1681s-2 ( a ) Prohibits furnishers from reporting false or misleading information. 15 U.S.C. 1681s-2 ( b ) Requires furnishers to investigate and validate information after a formal dispute. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 Prohibits the reporting or collection of unvalidated, fraudulent, or unrecognized debts. Charge-off accounts, closed accounts, collection accounts, unrecognized accounts, and fraudulent accounts CAN NOT REMAIN on my credit report without complete legal validation. FINAL DEMAND I formally request that all accounts listed above be IMMEDIATELY REMOVED, and that written confirmation of these deletions be provided to me within the timeframes required by law. Failure to comply will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and to pursue all legal remedies available to me. Sincerely, 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