Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XX/XX/year> Experian Dispute Department P.O. XXXX XXXX XXXX, TX XXXX Re : FORMAL DEMAND FOR DELETION OF UNVERIFIED ACCOUNTS Experian Report # XXXX ( Dated XX/XX/year> ) To Whom It May Concern, This letter is a FINAL WARNING AND LEGAL DEMAND for the removal of several inaccurate and fraudulently verified accounts on my Experian credit file.

I have disputed the following accounts multiple times, and Experian continues to claim these items are verified without ever providing ANY documentation or lawful verification as required under the Fair Credit Reporting Act ( FCRA ). This is a clear violation of 15 U.S. Code 1681i, which mandates that Experian must either fully verify disputed information with proper documentation from the original creditor or promptly delete the information from my credit report. 

The accounts in question are : XXXXXXXX XXXX XXXX XXXXXXXX Account Numbers : XXXX and XXXX These entries are reported with delinquencies that are both factually inaccurate and unverifiable. Despite repeated disputes, no original documentation has been provided. These items were verified with no substantive reinvestigation, which is a direct FCRA violation. 

XXXX XXXX XXXX Account Number : XXXX This account was voluntarily surrendered due to dealership servicing issues, clearly noted in your own records. Reporting it as a charge-off with a massive past-due balance is deceptive and materially misrepresents the circumstances. I demand immediate deletion of this account as it does not meet the standards for accurate or complete reporting under federal law. 

XXXX XXXX XXXX Account Number : XXXX Another charge-off still falsely appearing on my credit file. I have disputed this entry numerous times, and it continues to be reinserted without adequate reinvestigation or proof. The failure to provide documentation upon reinsertion is illegal under FCRA 1681i ( a ) ( 5 ) ( B ).

This is your FINAL NOTICE : I am invoking my rights under the FCRA and DEMANDING that Experian : DELETE all of the above-referenced accounts IMMEDIATELY, or provide legally admissible documentation from the original creditors proving the validity of these accounts. 

Provide a detailed method of verification, including names, contact details, and supporting documents received from the furnishers. 

If you do not comply within 30 days, I will proceed with a formal complaint to the CFPB, the FTC, and my states Attorney General, and will consider initiating a civil lawsuit against Experian for : Willful noncompliance under FCRA 1681n Negligent noncompliance under FCRA 1681o Failure to maintain reasonable procedures under 1681e ( b ) Improper reinsertion of previously disputed items ( 1681i ( a ) ( 5 ) ) I have enclosed copies of my government-issued ID and proof of address. Let this serve as your final opportunity to resolve these violations without legal consequences. 

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