Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be properly verified or removed immediately.

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$48000.00} XXXX  {$48000.00} XXXX - {$48000.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX History : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX, XXXX, XXXX CHARGED OFF ACCOUNT ; FIXED RATE XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$38000.00} XXXX  {$21000.00} XXXX - {$21000.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX History : XX/XX/XXXX XXXX XXXXXXXX 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 Late Dates : XXXX CHARGED OFF ACCOUNT ; LINE OF CREDIT XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5500.00} XXXX  {$6100.00} - {$6100.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX  History : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX ( See status ), XXXX XXXX XXXXXXXX, XXXX, XXXX CHARGED OFF ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5600.00} XXXX {$6000.00} XXXX - {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX  History : XX/XX/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 - ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$4400.00} OPEN {$4400.00} XXXX {$4400.00} XXXX {$4400.00} XXXX XXXX XXXX XXXX COLLECTION XXXX History : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; ORIGINAL XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  {$4100.00} OPEN {$4100.00} XXXX {$4100.00} * {$4100.00} XXXX XXXX XXXX XXXX COLLECTION XXXX History : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACTORING COMPANY ; ORIGINAL CREDITOR : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$3600.00} OPEN {$3600.00} XXXX {$3600.00} * {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$3200.00} OPEN {$3200.00} XXXX {$3200.00} XXXX {$3200.00} XXXX XXXX XXXX XXXX COLLECTION XXXX  History : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACTORING COMPANY ; ORIGINAL CREDITOR : XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  {$2900.00} XXXX  {$2900.00} XXXX - {$2900.00} - - XXXX COLLECTION XXXX History : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLACED FOR COLLECTION ; ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2700.00} OPEN {$2700.00} XXXX {$2700.00} XXXX  {$2700.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX History : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT CLOSED AT CREDIT GRANTOR 'S REQUEST XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2700.00} OPEN {$2700.00} - {$2700.00} XXXX XXXX XXXX XXXX COLLECTION XXXX History : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX -- / -- {$2700.00} OPEN {$2700.00} XXXX {$2700.00} * {$2700.00} XXXX XXXX XXXX XXXX COLLECTION XXXX  History : XX/XX/XXXXXXXX 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 FACTORING COMPANY ; ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2200.00} XXXX {$2400.00} XXXX {$2400.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX History : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Late Dates : XXXX ( See status ), XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX  {$860.00} XXXX  {$33.00} {$100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$500.00} XXXX  {$570.00} - {$570.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX  History : XX/XX/XXXX ; XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX CHARGED OFF ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$500.00} XXXX  {$350.00} XXXX  {$25.00} {$180.00} XXXX XXXX XXXX XXXX DELINQ XXXXXXXX XXXX History : XX/XX/XXXX ; XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5000.00} XXXX  {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX History : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX CHARGE ; FIXED RATE XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2800.00} XXXX  {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX History : XX/XX/XXXX ; -- XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX PURCHASED BY ANOTHER LENDER XXXX XXXX XXXXXXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2800.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX  History : XX/XX/XXXX ; -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ACCOUNT TRANSFERRED OR SOLD ; CHARGED OFF ACCOUNT XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$6400.00} XXXX  {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} INST {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX History : XX/XX/XXXX ; XXXXXXXX XXXX XXXX  Late Dates : NO LATES IN PAST 24 MONTHS XXXX NOTE : Please also remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX : Copy of my Social Security Card & Drivers License is attached Sent : USPS Certified Mail Take these cards down to your copy center and make clear copies of both on one sheet. They must be legible or else the credit bureaus will reject them.

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