Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Demand for Verification and Validation of Account Information Dear Experian Team, I am writing to formally demand that Experian provides all requested documentation related to my current dispute, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, I am exercising my rights under : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires Experian to investigate disputed information within 30 days.

15 U.S.C. 1681i ( a ) ( 6 ) : Requires Experian to provide the results of the reinvestigation in writing.

15 U.S.C. 1681i ( a ) ( 7 ) : Requires Experian to provide a description of the procedure used to determine the accuracy and completeness of the information.

The account in question, Selene Finance, account number 271200, must be verified and validated. If Experian can not provide the requested documentation, I demand that this account be removed from my credit report under the FCRA. 

Furthermore, I have re-submitted this case to the Florida Attorney General 's Office, filed a report with the Federal Trade Commission ( FTC ), and submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ). I have provided clear evidence of the inaccurate and inconsistent information currently reporting on my credit report, which Experian is fully aware of and continues to report, causing substantial damage to my credit.

Under 15 U.S.C. 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies : ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : ( i ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate.

You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. I demand you to cease and desist the reporting of incorrect/inaccurate information immediately.

If this issue is not resolved promptly, I will pursue legal action. I demand that my investigation be conducted by a human and not merely by an automated system, in accordance with 15 U.S.C. 1681i ( a ) ( 5 ), which emphasizes the requirement for human oversight in reinvestigations.

Additionally, I request that Experian submit the full investigation details upon completion to my complaint with the Attorney General for legal purposes. 

In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The continued reporting of this inaccurate information is a clear violation of 15 U.S.C. 1681s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and delete this erroneous, inaccurate account from my consumer report.

I have already filed a complaint with the CFPB, the Attorney General, and the FTC about the inaccurate information that you are reporting on my credit report. You have 5 calendar days to delete this account from my consumer report. 

I trust that Experian will address this matter with the seriousness it warrants and provide a timely resolution. 

I am to express my concerns regarding recent allegations in the CFPB 's lawsuit against Experian, filed on XX/XX/year>. This lawsuit raises serious questions about the integrity and accuracy of Experian 's data handling practices. I believe I am a victim of these practices, specifically the re-insertion of deleted information without proper notification, and am exercising my rights under the FCRA to request validation and verification of my account and Experian 's investigation. Experian has added late payment information that was previously deleted from an investigation without proper notification. According to 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), Experian must follow specific procedures before reinserting previously deleted information, including providing adequate written notice to consumers. This action constitutes fraud because it involves reintroducing incorrect or misleading information without following legally mandated protocols, thereby harming my creditworthiness and financial reputation. 


EXPERIAN IS KNOWN TO IGNORE CONSUMER REQUEST. I AM PRACTICING MY RIGHT UNDER 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 6 ), AND 15 U.S.C. 1681i ( a ) ( 7 ) TO REQUEST FULL VERIFICATION AND VALIDATION : ALL DOCUMENT THAT REQUESTED IN THIS CLAIM MUST BE PROVIDED BY EXPERIAN PLEASE SEE ATTACHED FOR FURTHER DETAILED

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