Consumer complaint received 2025-05-26 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Sc, XXXX XX/XX/XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : URGENT FCRA VIOLATIONS & DEMAND FOR DELETION OR CORRECTION OF MULTIPLE INACCURATE ACCOUNTS To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a demand for immediate reinvestigation, deletion, or full correction of several factually inaccurate and unlawfully reported accounts on my Experian credit report. 
The following accounts are being reported inaccurately, misleadingly, and in violation of multiple provisions of federal law : ________________________________________ Disputed Accounts & Violations : XXXX. XXXX XXXX XXXX XXXX ( Acct # XXXX & XXXX ) o Status reported as charged off in XXXX yet shown as past due as of XXXX. 
o Violation of FCRA 1681c : You are re-aging the account beyond the charge-off, falsely extending its negative impact.

o Violation of FCRA 1681e ( b ) : Factual misreporting of the status timeline.

o Violation of FCRA 1681s-2 ( a ) ( 1 ) ( B ) : You have failed to delete or correct this account upon notification. 
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 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 ________________________________________ Legal Citations Supporting This Dispute : FCRA 1681s-2 ( a ) ( 1 ) ( B ) : Information found to be inaccurate must be deleted or corrected promptly.

FCRA 1681e ( b ) : Experian is required to use reasonable procedures to ensure maximum possible accuracy. 
FCRA 1681c : You are prohibited from re-aging accounts, must report them correctly from date of first delinquency, and can not allow negative items to remain longer than 7 years. 
________________________________________ DEMAND : You are hereby required to conduct a full reinvestigation of each of the above-listed accounts and provide : 1. Documentation from original furnishers verifying all information.

2. Proof of accuracy, including charge-off dates, balances, and full payment histories.

3. Deletion or correction of all data found to be inaccurate or unverifiable.

If you can not produce concrete documentation verifying the accuracy of each disputed account, you must delete the account from my report immediately as required by law.

Failure to comply will result in continued regulatory complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil action as provided under FCRA 1681n and 1681o, allowing for actual, statutory, and punitive damages for noncompliance. 
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