Consumer complaint received 2025-11-21 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:
FCRA DISPUTE LETTER REQUEST FOR DELETION OF CHARGE-OFFS, COLLECTIONS & LATE PAYMENTS Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXXXXXX XXXX SSN ( last XXXX ) : XXXX Date : XXXX XXXX XXXX  Re : Formal Dispute of Inaccurate/Unverifiable Accounts Under FCRA 602, 607 ( b ), 609 ( a ), 611, and 623 To Whom It May Concern, I am writing to dispute several inaccurate and/or unverifiable accounts currently appearing on my Experian credit report dated XX/XX/XXXX. These items are harming my creditworthiness and must be deleted immediately if the data furnisher can not provide full, documented verification as required by the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 602 ( A ), 607 ( b ), and 611, Experian must ensure maximum possible accuracy and must delete any information that is inaccurate, incomplete, or unverifiable.

Under FCRA 609 ( a ) ( 1 ) I am requesting the method of verification, including the full source from which each disputed item was obtained.

Additionally, under FCRA 623 ( a ) ( 1 ) ( A ) data furnishers are prohibited from reporting information they can not prove to be accurate.

I am disputing the following accounts : COLLECTION & CHARGE-OFF ACCOUNTS REQUEST FOR DELETION XXXX. XXXX XXXX XXXX XXXX XXXX {$660.00} Date Opened : XX/XX/XXXX Status : Collection This account contains reporting discrepancies and appears unverified and inaccurate. The payment history shows inconsistent codes, and prior disputes show it meets FCRA requirements, yet no documentation was ever provided. I request full deletion if verification can not be fully substantiated. 


XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$630.00} Date Opened : XXXX XXXX, XXXX This is a debt-buyer account with incomplete payment history and no original account documentation. Under FCRA, debt buyers must be able to validate the original account, dates, amounts, and full chain of title. If unable, this account must be deleted. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$460.00} Status updated XX/XX/XXXX The payment history includes conflicting reporting, repeated CO codes, and inaccurate month-to-month progression. These inconsistencies violate FCRA XXXX ( b ) regarding accurate reporting. 
I request deletion if full verification can not be produced. 


XXXX. XXXX XXXX XXXX XXXX {$170.00} This account shows conflicting late-payment progression and CO entries that do not match the reported past-due amount timelines. This is inaccurate reporting and requires deletion unless the furnisher provides complete validation. 


XXXX. XXXX XXXX XXXX {$160.00} The account lists inconsistent month-to-month CO codes and missing data ( ND ) that violates the requirement for complete and accurate reporting. Delete if unverifiable. 


XXXX. XXXX XXXX XXXX XXXX XXXX {$17000.00} This account has repossession indicators ( R ) and inconsistent CO reporting across months. Prior disputes state reported by data furnisher, yet no proof was provided. Full audit trail is required. Delete if unable to validate. 


XXXX. XXXX XXXX XXXX XXXX Account {$870.00} This account contains inconsistent ND and CO codes and has already been previously disputed with no documentation supplied. Delete if not fully verifiable. 


LATE PAYMENTS REQUEST FOR CORRECTION OR DELETION KIKOFF / COASTAL COMMUNITY XXXX Late Payments The account shows 30120 day late marks with incomplete payment data and inconsistent date progression. These inaccuracies require correction or deletion under FCRA XXXX ( b ). 


XXXX XXXX XXXX XXXX Late Payments The late reporting does not match the closing date and shows inconsistent reporting around XXXX XXXX. Delete or correct as required. 


REQUESTS UNDER FEDERAL LAW I am making the following official requests under the FCRA : Provide the method of verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) Identify the original furnisher, person contacted, date, and method used.

Provide all documentation used to verify each disputed item ( FCRA 609 ( a ) ( 1 ) ).

If the accounts can not be verified within 30 days, they must be deleted immediately per FCRA 611 ( a ) ( 5 ) ( A ).

If any furnisher continues reporting unverifiable information, I request : Notice of reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ) Certification of accuracy from the furnisher ( FCRA 623 ) Enclosures Copy of Drivers License Copy of Utility Bill / Proof of Address Copy of Social Security Card Conclusion If Experian can not verify each disputed item with documented evidence within the legally required period, you must delete the accounts from my credit file immediately in accordance with federal law. 

Please send results of your investigation to the address listed above. 

Thank you, __________________________ 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