Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. 
I am writing to formally DISPUTE and DEMAND THE IMMEDIATE DELETION of the following inaccurate, unverifiable, and legally non-compliant information from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i. 
What I'm disputing The following accounts contain inaccurate information and MUST BE DELETED in their entirety : Account XXXX - DEMAND FOR DELETION : Creditor ( as reported ) : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Current Status ( as reported ) : Charge off Balance : {$7900.00} Detected Late Entries : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XXXX XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX Reinvestigation of disputed information XXXX XXXX XXXX XXXX a ) - Furnisher accuracy requirements 15 USC 1681e ( b ) - Reasonable procedures for maximum possible accuracy Correct all Metro 2 fields or delete if you can not certify accuracy Provide documentation supporting charge-off status and amounts Detected Late Entries : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XXXX XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( 30 ) FDCPA 1692 - Unfair debt collection practices FDCPA 1692e - False or misleading representations FDCPA 1692f - Unfair practices in collecting debts Account 2 - LATE-PAYMENT CORRECTION REQUEST : Creditor ( as reported ) : XXXX XXXX XXXX  Account Number : XXXX Current XXXX ( as reported ) : Paid, Closed Balance : {$2500.00} Detected Late Entries : XX/XX/XXXX ( XXXX ) 15 USC 1681i - Reinvestigation of disputed information 15 USC 1681s-2 ( a ) - Furnisher accuracy requirements Provide certified documentation for all reported fields or delete the tradeline as unverifiable Detected Late Entries : XX/XX/XXXX ( XXXX ) Creditor ( as reported ) : XXXX XXXX XXXX XXXX Account Number : XXXX Current Status XXXX as reported ) : Paid, Closed Balance : {$2500.00} Detected Late Entries : XX/XX/XXXX ( XXXX ) Creditor ( as reported ) : XXXX XXXX XXXX Account Number : XXXX Current Status ( as reported ) : Late Balance : {$1800.00} XXXX XXXX XXXX - Reinvestigation of disputed information 15 USC 1681s-2 ( a ) - Furnisher accuracy requirements 15 USC 1681s-2 ( a ) ( 1 ) ( B ) - Accurate payment history ( late codes ) Remove all late codes and update status to PAID AS AGREED ( or delete if unverifiable ) 34 C.F.R. 682.208 - Federal student loan reporting requirements Higher Education Act compliance violations FCRA 1681s-2 ( a ) ( 1 ) ( B ) - Accurate payment history requirements FCRA 1681s-2 ( b ) - Investigation of disputed payment information How you determined accuracy Pursuant to my rights under 15 U.S.C 1681i ( 6 ) ( B ) ( iii ) I DEMAND, within 15 days ( not 30 ), a complete description of the procedure used to determine the accuracy and completeness of each disputed account, including : The business name, address, and telephone number of every furnisher contacted. 
The name of the employee at your company who conducted the investigation. 
Copies of any documents obtained or reviewed in the course of the investigation. 
Please respond within 15 days I legally and lawfully REFUSE any generic form letter response. You now have 15 days, not 30, to comply with all demands above.

What the law says The following violations of federal law have been identified : FCRA notes 1681s-2 ( a ) - Furnishing inaccurate information 1681s-2 ( b ) - Failure to investigate disputed information 1681i - Inadequate reinvestigation procedures 1681e ( b ) - Failure to follow reasonable procedures FDCPA notes 1692 - Unfair debt collection practices 1692e - False or misleading representations 1692f - Unfair practices in collecting debts Potential impact Based on identified violations, potential damages include : FCRA Statutory Damages : $ XXXX {$1000.00} per violation XXXX accounts = {$4000.00} FDCPA Statutory Damages : {$1000.00} per violation collection accounts Federal Compliance Violations : Student loans and regulatory violations Actual Damages : Credit score harm, loan denials, higher interest rates Punitive Damages : For willful non-compliance Attorney Fees : Recoverable under both FCRA and FDCPA What I need from you Within 20 Days, Experian MUST : DELETE all disputed accounts listed above PROVIDE written confirmation of all deletions SEND updated credit report showing deletions NOTIFY all parties who received reports in past 2 years CONFIRM removal from all Experian products and services Failure to Comply Will Result In : CFPB Complaint filing State Attorney General complaint Federal Court Action for FCRA violations Demand for Statutory Damages up to {$8000.00} Attorney Fee Recovery under 15 USC 1681n Metro 2 reporting issues All furnishers MUST comply with Metro 2 Format requirements. Any account that fails to meet Metro 2 standards MUST BE DELETED immediately.

Specific Metro 2 Violations : Inaccurate account status codes Incorrect balance reporting Invalid date information Non-compliant payment history codes If something gets added back later Any account that you delete MUST NOT be reinserted unless the furnisher certifies that the information is complete and accurate. If reinsertion occurs you are required, under 15 U.S.C 1681i ( a ) ( 5 ), to notify me in writing within 5 days and to provide all documentation supporting such reinsertion. Failure to do so constitutes an additional FCRA violation and will trigger immediate legal action. 
In closing This is a formal legal demand for the IMMEDIATE DELETION of all disputed accounts. 
These accounts contain inaccurate, unverifiable, or non-compliant information that violates federal law. 
I DEMAND COMPLETE DELETION, NOT INVESTIGATION. INVESTIGATION IS INSUFFICIENT. 
Failure to delete these accounts within 20 days will result in legal action to enforce my rights under federal law. 
CERTIFICATION I certify under penalty of perjury that the information in this dispute is true and correct to the best of my knowledge.

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