Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : XXXX. XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX Negative XXXX Under 15 USC 1666B, it is unlawful for a creditor to report a payment as late if they have not ensured the periodic statement, containing the necessary details as per section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. The creditors associated with these accounts have failed to meet this statutory requirement. As such, all reported late payments must immediately be corrected to reflect on-time payments.

Furthermore, I have experienced unlawful adverse actions by lenders, violating 15 USC 1691c and 15 USC 1692k. These actions are punishable under civil liability laws. Discrimination in credit decisions, as outlined in 15 USC 1691, is strictly prohibited. Additionally, unauthorized hard inquiries have been placed on my consumer report, despite my never granting consent for their disclosure or use. Such actions violate 15 USC 1681b, and I demand the immediate removal of all unauthorized hard inquiries and any inaccurate personal information from my report.

Reporting any unverifiable information is illegal under federal law. Per 15 USC 1692g, you are required to provide tangible proof that I am legally obligated to these accounts. Your failure to provide such documentation constitutes a violation ofthe FCRA and FDCPA, and I remind you that any data not independently verified must be removed. 



This situation has caused me significant emotional and financial distress, including anxiety and XXXX, due to your negligence in upholding the law. Therefore, I demand the removal of all disputed accounts and negative remarks within XXXX business days of receiving this letter. Failure to comply will leave me no choice but to pursue legal action to enforce my rights under federal law. 

If you can not provide detailed documentation validating the accuracy and compliance of these accounts, you must block and delete them immediately. This is not negotiable. 



Take notice : I expect written confirmation of these actions no later than XXXX business days after receipt of this letter. This is your opportunity to resolve these issues without further escalation. 






To Whom It XXXX Concern, I am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : XXXX. XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX Negative XXXX Under 15 USC 1666B, it is unlawful for a creditor to report a payment as late if they have not ensured the periodic statement, containing the necessary details as per section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. The creditors associated with these accounts have failed to meet this statutory requirement. As such, all reported late payments must immediately be corrected to reflect on-time payments. 



Furthermore, I have experienced unlawful adverse actions by lenders, violating 15 USC 1691c and 15 USC 1692k. These actions are punishable under civil liability laws. Discrimination in credit decisions, as outlined in 15 USC 1691, is strictly prohibited. Additionally, unauthorized hard inquiries have been placed on my consumer report, despite my never granting consent for their disclosure or use. Such actions violate XXXX XXXXSC 1681b, and I demand the immediate removal of all unauthorized hard inquiries and any inaccurate personal information from my report.

Reporting any unverifiable information is illegal under federal law. Per 15 USC 1692g, you are required to provide tangible proof that I am legally obligated to these accounts. Your failure to provide such documentation constitutes a violation ofthe FCRA and FDCPA, and I remind you that any data not independently verified must be removed. 



This situation has caused me significant emotional and financial distress, including anxiety and XXXX, due to your negligence in upholding the law. Therefore, I demand the removal of all disputed accounts and negative remarks within XXXX business days of receiving this letter. Failure to comply will leave me no choice but to pursue legal action to enforce my rights under federal law. 

If you can not provide detailed documentation validating the accuracy and compliance of these accounts, you must block and delete them immediately. This is not negotiable. 



Take notice : I expect written confirmation of these actions no later than XXXX business days after receipt of this letter. This is your opportunity to resolve these issues without further escalation.

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