Consumer complaint received 2025-07-11 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: WA

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute, Final Request before Legal Action under FCRA Request for Deletion or Correction of Unverified / Inaccurate Items under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Current Report # XXXX ( generated XXXX ) Notice to Experian I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute the items listed below. Each tradeline is inaccurate, incomplete, and/or unverifiable. Pursuant to 1681i ( a ) you must conduct a reasonable reinvestigation and, within 30 days, delete any information that can not be verified or correct any inaccuracy. Under 1681e ( b ) you must maintain procedures to assure the maximum possible accuracy of the data you report. If you can not substantiate these accounts with documentary evidence from the furnishers ( contracts, billing records, payment histories, etc. ), you must remove them.

Failure to comply will result in complaints to the Consumer Financial Protection Bureau and the Washington State Attorney General, and I will pursue all remedies available under 1681n & 1681o. 

Items in Dispute # Creditor / Account ( last XXXX ) Reason for Dispute FCRA/ Legal Grounds Requested Remedy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor previously marked can not locate individual. No contract or payment record supplied ; charge-off ( {$3500.00} ) & repossession still reported. 1681i ( a ) ( 1 ) ( no reasonable reinvestigation ) ; 1681i ( a ) ( 5 ) ( must delete unverifiable ) ; 1681e ( b ) ( reporting unverified balance ). XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). Delete entire tradeline. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX {$16000.00} ; balance & status not updated since XXXX. Prior notation that creditor could not locate borrower. Same statutes as above ; XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). Delete tradeline for stale, unverifiable data. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$19000.00} charge-off unchanged since XXXX ; no verification of current balance or ownership. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ). Delete tradeline. 
XXXX XXXX XXXX XXXX Card ( XXXX ) XXXX both full charge-off ( {$5600.00} ) and {$640.00} past-dueinternally contradictory. 1681e ( b ) ( inaccurate/inconsistent ) ; 1681i ( a ) ( 5 ) ( must correct or delete ). Delete or correct ( past-due = {$0.00} ). 
XXXX XXXX XXXX XXXX XXXX ) {$540.00} charge-off ; no documentary validation received. XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ) ; XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). Delete tradeline. 
XXXX XXXX XXXX XXXX ( XXXX ) {$860.00} charge-off ; furnisher provided no records ; status never updated after XXXX. Same as # XXXX. Delete tradeline. 
XXXX XXXX XXXX ( XXXX ) {$2600.00} collection ; no contract, billing statements, or chain-of-title provided ; balance unchanged since 10-2024. 1681e ( b ), 1681i ( a ) ( 1 ), 1681i ( a ) ( 5 ). Delete collection account. 
XXXX XXXX XXXX XXXXXXXX ( XXXX ) {$23000.00} institutional collection lacks origin details ; amount increased during dispute ; unverifiable. 1681e ( b ), 1681i ( a ) ( 5 ) ; misleading per Ricci v. Equifax, No. CV13-1234 ( C.D. Cal. 2013 ). Delete tradeline. 
XXXX XXXX XXXX Secured Card ( XXXX  ) Four 30-day lates ( XXXX ) disputed ; proof not furnished ; hardship not considered. 1681i ( a ) ( 1 ) ( A ), 1681e ( b ) ; XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Remove late marks or delete tradeline. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX late payments ( XXXX ) include at least XXXX ( XXXX ) erroneously reported during deferment ; no records supplied. Same as # XXXX. Remove inaccurate lates or delete tradeline. 
XXXX XXXX XXXX Credit Card ( XXXX ) XXXX late payments ; XX/XX/XXXX late occurred while in hardship program ; unverified. Same as # XXXX ; XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). Delete the late notation ( XXXX ) or tradeline. 
XXXX XXXX XXXX ( XXXX ) XXXX lates ; specifically XX/XX/XXXX XXXX late disputedpayment made under arrangement ; no evidence provided. XXXX ( a ) ( XXXX ) ( must consider consumer evidence ) ; XXXX standard. Delete XX/XX/XXXX late ; verify others or mark in dispute. 
XXXX XXXX XXXX XXXX XXXX ) Single XXXX late ( XX/XX/XXXX ) reported despite on-time payment within grace period ; proof ignored. XXXX ( a ) ( XXXX ), XXXX ( b ). Delete XX/XX/XXXX late mark. 

Documentation & Verification Request Method of Verification : Under 1681i ( a ) ( 6 ) - ( 7 ), if any item above is verified, supply the name, address, and telephone number of each furnisher and a description of the procedures used.

Supporting Documents : Provide copies of any contracts, billing statements, or payment records relied upon. If you can not furnish such documentation, the item is legally unverifiable and must be deleted.

Deadline & Next Steps I expect written confirmation of deletion/correction and an updated credit report within 30 days of your receipt of this letter. If you fail to comply, I will : 1. Washington State Attorney General.

2. Launch official civil suit and sue applicable to FCRA Seek statutory, actual, and punitive damages in federal court under 1681n & 1681o for willful and/or negligent non-compliance, citing the case law above. 

Please send all correspondence to the address at the top of this letter. For tracking purposes, this dispute is sent via Certified Mail, Return Receipt Requested. 

Sincerely, XXXX XXXX. XXXX XXXX ( last XXXX ) : -- XXXX XXXX : XX/XX/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