Consumer complaint received 2025-06-19 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : FORMAL FCRA DISPUTE DEMAND FOR INVESTIGATION AND DOCUMENTATION UNDER FCRA 611, 623 ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand for investigation regarding the following accounts being inaccurately reported on my credit report. Pursuant to FCRA 611 ( 15 U.S.C. 1681i ) and 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ), you are legally required to conduct a reasonable, independent investigation of each disputed item and remove any unverifiable, inaccurate, or incomplete information. 

The following accounts are being disputed : XXXX XXXX XXXX  Account # : XXXX Type : Collection {$3500.00} XXXX XXXX XXXX Account # : XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Repossession {$22000.00} I am demanding that you provide the following documentation for each account listed above : A copy of the original signed contract bearing my signature. 
A full account history, including all payments, charge-offs, and balances. 
Proof that the furnisher of information had a permissible purpose under FCRA 1681b. 
The exact method and source used to verify each account. 
The name, address, and contact number of each data furnisher. 
ARBITRATION NOTICE Let this serve as legal notice : If I discover that you verified any of these accounts through e-OSCAR, an automated system known to generate boilerplate verified responses without a real investigation, I will pursue binding arbitration against Experian for failure to conduct a lawful investigation, as outlined in your own consumer agreement. 

Use of e-OSCAR to verify these accounts would be a direct violation of FCRA 611 ( failure to perform a reasonable reinvestigation ) and 623 ( b ) ( failure of the furnisher to reasonably investigate upon notice ).

If you fail to comply with this dispute within the legally mandated 30 days, or respond without providing full verification, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Iowa Attorney General Submit written arbitration claims pursuant to the Experian Consumer Agreement arbitration clause Pursue civil legal action for statutory damages under FCRA 616 and 617 This is your legal notice to act in good faith. You are not permitted to verify any account without providing full documentation to the consumer. If the information can not be verified with supporting evidence, you must delete it immediately from my credit file. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : 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