Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Your refusal to delete XXXX XXXX XXXX Account # XXXX paid-in-full account closed in XXXX despite eight disputes and irrefutable evidence, constitutes willful violations of federal law and deceptive practices under New Mexico statute This is your final opportunity to comply before litigation commences 1 The Account Was Legally Closed in XX/XX/XXXX This debt was fully satisfied via XXXX XXXX XXXX Paid the primary balance after a total loss claim XXXX XXXX XXXX  Covered the remaining deficiency Violation Reporting this as active/derogatory breaches FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ). Once inaccuracies are known, retention is unlawful.

2. FCRA 611 ( a ) Violation : Fraudulent Investigations You have ignored eight disputes since XX/XX/XXXX, including : XX/XX/XXXX Initial dispute with proof of payment. 
XX/XX/XXXX XXXX falsely certified the debt as valid. You rubber-stamped it. 
XX/XX/XXXX Final dispute rejected with the same boilerplate : Information remains. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX ) : CRAs can not blindly side with furnishers over consumer evidence. 
XXXXXXXX XXXX. Experian ( XXXX. XXXX ) : You lost this case for identical XXXX reporting misconduct. 

This is willful negligence under FCRA 616 3. FCRA 623 ( a ) ( 2 ) Violation : Re-Aging & False Timelines XXXX falsely reports a last payment dateafter XXXX to manipulate credit reporting. This : Violates FCRA 623 ( a ) ( 2 ) ( prohibiting post-dispute inaccuracies ).

Constitutes re-aging under FCRA 623 ( a ) ( 5 ) Qualifies as a deceptive act under NMSA 57-12-2 ( D ) exposing you to treble damages.

4. FCRA 611 ( a ) ( 7 ) Violation : Concealing Verification Methods You have repeatedly refused to disclose : Who at XXXX verified this account ( name/title/contact ). 
What documents XXXX provided ( none exist my proof contradicts theirs ) How you verified the debt ( spoiler : you didnt ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Withholding verification details is a standalone FCRA violation. 

5. Final Demands 15 Day Deadline 1. Delete XXXX Account # XXXX from all files immediately 2 Disclose full verification details for all eight disputes : Name/contact of XXXX certifier . 
All documents XXXX provided. 
Experians internal investigation notes. 
3. Email/mail confirmation of deletion and compliance.

6. Consequences of Noncompliance If unmet by XX/XX/XXXX Federal Lawsuit Seeking {$3800.00} per violation ( FCRA 616 ), punitive damages, and injunctive relief. 
State Action Treble damages under NMSA 57-12-10 for deceptive practices.

Regulatory Onslaught Complaints to CFPB, FTC, and New Mexico AG. 

XXXX XXXX TransUnion ( XXXXXXXX XXXX XXXX ) : Courts penalize CRAs that ignore documented proof. 

This is not a negotiation. Remove the account or face liability. 

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