Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] To : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXE : FINAL DEMAND FOR DELETION OF UNVERIFIABLE, INACCURATE, AND UNLAWFUL TRADELINE INFORMATION PURSUANT TO THE FCRA, FDCPA, AND FEDERAL LAW To Whom It May Concern : This correspondence serves as a final demand for the full and permanent deletion of multiple erroneous, infringing, and unverifiable tradelines from my credit file, in accordance with 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), as well as 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) where applicable. 

Over the course of more than 30 separate disputes, submitted directly to Experian and via the Consumer Financial Protection Bureau ( CFPB ), I have continuously presented factual inaccuracies, data discrepancies, and violations of federal law relating to Experians reporting and alleged verification of tradeline ( XXXX ), including but not limited to : Repeated verification of accounts with no supporting documentation, no wet-ink signature, and no legal claim to the alleged debt ; Continued reporting of accounts sold to third parties and therefore unverifiable by the original creditor, a direct violation of FCRA 1681i ( a ) ( 5 ) ( A ) ; Confirmation by the alleged debt collector that they can not provide a contract, accurate address, or identifying information, rendering the tradeline inherently unverifiable and invalid ; Forced removal of a fraudulent address associated with my credit report only after multiple escalations, not through Experians own mandated due diligence, a direct breach of your duty to maintain maximum possible accuracy under FCRA 1681e ( b ). 

Additionally, I recently contacted Experian by phone and spoke with a representative named XXXX to address yet another misleading and misleadingly generic CFPB response. I was met with the same deceptive, evasive, and willfully noncompliant posture Ive encountered repeatedly over the years. Despite asking for identifying information necessary for my legal counsel to retrieve the recorded conversation, I was denied any verifiable information further obstructing lawful discovery and accountability. 

YOU ARE HEREBY NOTIFIED OF THE FOLLOWING : 1. Experian has violated FCRA 1681i ( a ) ( 1 ) ( A ) by failing to conduct a lawful reinvestigation of disputed tradelines with reasonable procedures to ensure accuracy.

2. Experian has violated FCRA 1681e ( b ) by willfully and negligently reporting data it knows or should know to be false, incomplete, or unverifiable.

3. Experian has violated FCRA 1681i ( a ) ( 5 ) ( A ) by continuing to report data that can not be verified through documentation or contact with the proper furnishing party.

4. Experian has failed its statutory duty under FCRA 1681s-2 ( b ) by continuing to report the tradeline after the furnisher failed to validate or even substantiate ownership of the account. 
XXXX. Experian has engaged in deceptive and obstructive communication practices during the dispute process, including concealing internal recordings, denying the consumer full access to investigation records, and refusing to provide documentation of verification procedures. 

LEGAL NOTICE OF DEMAND Pursuant to the above statutory authority, I hereby demand the following within 15 calendar days of the date of this letter : 1. Immediate and permanent deletion of the disputed tradeline ( s ), as required under FCRA 1681i ( a ) ( 5 ) ( A ) due to lack of verification and legal substantiation.

2. Full disclosure of all documentation relied upon in the reinvestigation ( s ), including the names and contact information of all furnishers involved.

3. The exact method of verification ( MOV ), including the identity of any parties contacted, the nature of the investigation conducted, and any communications exchanged.

4. A copy of the recorded phone call between myself and your representative XXXX, including the internal reference number and transcript for legal use by my counsel. 
XXXX. Written assurance that no further reporting or verification of the disputed data will occur without full documentation and legal standing. 

Failure to comply will result in immediate escalation to federal court. I have preserved all records, disputes, and communications. My legal team is prepared to file suit under FCRA 1681n and 1681o for statutory, actual, and punitive damages for willful and negligent noncompliance. I reserve the right to file a joint complaint with the FTC, CFPB, state attorney general, and private legal action without further notice. 

This will be your final opportunity to resolve this matter without formal litigation. 

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