Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
I am reaching out with the clear and firm intention of demanding that my rights as a consumer be respected under the federal laws that govern credit reporting. Ive been patient. Ive followed proper procedures. Ive submitted legitimate disputes through the appropriate channels. Yet the responses Ive received from your organization have been insufficient, automated, and lacking the seriousness and diligence the law requires. 

My credit report still contains unverified information linked to the account XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Despite having disputed this account multiple times, it remains on my filenegatively impacting my credit history, my score, and ultimately, my financial opportunities. The Fair Credit Reporting Act ( FCRA ) is very clear : you are obligated to ensure the maximum possible accuracy of the information you report. That obligation has not been met. 

Furthermore, what youve labeled as an investigation has amounted to nothing more than a generic response generated by automated systems like e-OSCAR, which clearly fall short of the legal standards for a proper review.

According to FCRA sections 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, disputes must be reviewed thoroughly and responsiblythis means verifying the legitimacy of the reported data, not just rubber-stamping it as verified without real evidence.

Additionally, under the Truth in Lending Act ( TILA ), the original creditor is required to issue clear, accurate billing statements and provide transparent, verifiable information. In this case, XXXX XXXX XXXX XXXX has failed to meet that obligation. Charges I do not recognize were reported, and incorrect data was allowed to remain on my credit file, which has only worsened the damage. 

And it doesnt stop there. This also involves violations of the Fair Debt Collection Practices Act ( FDCPA ). This account has been reported with inaccurate and misleading details repeatedly, with no correction madeeven after formal disputes. That is a direct violation of the legal standards set to protect consumers from unfair and deceptive practices. 

Based on all the above, I am asserting my rights under the following provisions of the FCRA : 15 U.S.C. 1681a ( 4 ) : Protects my right to accurate and truthful credit information.

15 U.S.C. 1681b ( 2 ) : Limits who can legally access or use my credit information.

15 U.S.C. 1681i : Requires a reasonable and complete investigation when information is disputed by a consumer.

And under 15 U.S.C. 609 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 2 ), I am demanding the following : Immediate deletion of the account XXXXXXXX XXXX XXXX XXXX XXXXXXXX from my credit report. 


Documented proofeither physical or digitally auditablethat I signed a contract with this creditor authorizing them to report this account to the credit bureaus. 


If you can not provide that original signed agreement, then you have no legal basis to continue reporting this account. The risk of fraudulent accounts being submitted by third parties is real, and it is your responsibility to prevent that from happening. 
I am not asking for a favorI am demanding that the law be followed. If this matter is not resolved properly and without further delay, I will exercise my right to pursue legal action. There is no more room for excuses or generic responses. As a citizen, I know my rights. And as a consumer, I expect them to be upheld.

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