Consumer complaint received 2025-07-01 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:
XX/XX/XXXX To Whom It May Concern, This letter serves as my formal demand for validation and correction regarding the account reported by XXXX ( Account # : XXXX ), which has been repeatedly and inaccurately provided to the credit reporting agencies. 

Despite my prior dispute regarding this account, I have now reviewed the updated information submitted as of XX/XX/XXXX, and I continue to strongly contest the accuracy, legality, and legitimacy of what is being reported. Your records now show : A changed original balance from {$250.00} to {$400.00} without explanation Continued reporting of multiple late payments ( 30 to 150 days ) from XXXX, none of which I have ever acknowledged, agreed to, or been properly notified of A status update with no accompanying proof or documentation in response to my previous dispute Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, furnishers of information are required to report only complete and accurate data and must investigate any consumer dispute thoroughly and fairly. Simply stating completed investigation consumer disagrees does not fulfill your legal obligation under the FCRA. 

I am requesting the following documentation : A copy of the original signed agreement or contract between myself and XXXX XXXX XXXX accounting of all charges, payments, and interest to support the claimed balance of {$400.00} A detailed explanation for the change in reported balance from {$250.00} to {$400.00} Documentation showing I was notified of any late payments, and given proper opportunity to cure or resolve the account Proof of compliance with the FCRAs requirements for notice and reinvestigation under 15 U.S.C. 1681i and 1681s-2 ( b ) Internal notes, correspondence, or proof of proper reinvestigation performed after my initial dispute If you are unable to provide this documentation, then this account must be immediately removed from all credit reporting agencies. Continued reporting without full and proper validation constitutes willful noncompliance with the FCRA, which gives me the right to seek monetary damages in court under 15 U.S.C. 1681n and 1681o.

Let me be very clear : I am not opposed to pursuing this matter through legal channels if my rights under federal law continue to be violated or ignored. Inaccurate, misleading, or unverifiable data has no place on a consumer report, and I will not tolerate further damage to my credit or reputation without consequence.

I expect a full response, with the documentation requested, within 30 days of receipt of this notice, as required by law. This is my final attempt to resolve this matter directly and amicably. Should you fail to respond appropriately, I will not hesitate to take all legal steps necessary to protect my rights.

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