Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Disputing XXXX on my experian credit report Account number XXXXXXXX XXXX XXXX XXXX  2 LATE PAYMENTS Account number XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Account number XXXX I am formally disputing the inaccurate and unjustified late payments that continue to appear on my Experian credit report. I have previously requested corrections, yet these errors remain, negatively impacting my creditworthiness. This letter serves as my final demand to rectify these inaccuracies immediately. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Experian is legally required to report only accurate and verifiable information. If you can not provide proper documentation proving the validity of these late paymentsincluding a signed contract, payment history records, and proof from the original creditorI demand that these items be deleted immediately. 

Additionally, per FCRA 611 ( a ), credit bureaus must conduct a reasonable reinvestigation of disputed items. If Experian fails to do so within 30 days, you must remove the disputed accounts per federal law. Any failure to comply with this requirement is a direct violation of FCRA 616 and 617, which provides legal remedies, including damages for negligent or willful noncompliance. 

I also remind you that continued reporting of inaccurate or unverifiable information is a violation of the Fair Debt Collection Practices Act ( FDCPA ) if the data was provided by a debt collector. Under FCRA 623, data furnishers must correct or remove any inaccurate information upon notice of a dispute. 

This is a formal request for : Immediate deletion of all inaccurate late payments from my credit report. 
A written statement confirming the removal of these items. 
Copies of all documentation Experian used to verify these late payments. 
Should Experian fail to comply within the 30-day legal timeframe, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal action for noncompliance. URGENT Dispute of Inaccurate Late Payments Final Notice Before Legal Action To Whom It May Concern, This letter serves as my final demand to remove the inaccurate and unverifiable late payments on my credit report. I have repeatedly disputed these errors, yet Experian continues to report them without providing any valid, signed documentation proving their accuracy. This is a clear violation of my consumer rights under multiple federal laws, and I will pursue legal action if this issue is not corrected immediately. 

LEGAL VIOLATIONS & ACTIONABLE REMEDIES Violation of FCRA 15 U.S.C. 1681e ( b ) Duty to Report Only Accurate Information Experian is required by law to maintain maximum possible accuracy in reporting consumer credit data. Continuing to report unverified late payments is a clear breach of this legal duty, and failure to correct this immediately constitutes negligence under the law. 
Violation of FCRA 15 U.S.C. 1681i ( a ) Failure to Properly Investigate a Dispute When I disputed these accounts, Experian was obligated to conduct a reasonable reinvestigation within 30 days. However, I have received no signed contracts, no payment history proof, and no verifiable documentationonly generic form letters. 
If Experian fails to produce legally sufficient proof of these late payments, they must be deleted immediately, as required by law. 
Violation of FCRA 15 U.S.C. 1681s-2 ( b ) Failure of Data Furnishers to Provide Proper Verification If the creditor reporting these late payments can not provide a signed agreement or legally binding proof, then Experian must remove these items. 
Continuing to report this unverifiable data after I have disputed it is an intentional violation of federal law. 
Violation of FCRA 15 U.S.C. 1681n & 1681o Liability for Willful or Negligent Noncompliance If Experian continues to willfully report these inaccurate late payments without proper verification, I am entitled to actual damages, punitive damages, attorneys fees, and court costs under federal law. 
Violation of 15 U.S.C. 45 ( FTC Act ) Unfair and Deceptive Practices It is considered a deceptive and unfair trade practice for Experian to knowingly report information without verifying its accuracy. This gives me legal grounds to file a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 
Violation of 18 U.S.C. 1028A Aggravated Identity Theft ( If no signed authorization exists ) If Experian or the data furnisher can not provide my signature on any documentation related to these accounts, then reporting these late payments constitutes fraudulent misrepresentation of my identity, which could be escalated to federal authorities. 
FINAL DEMAND & NEXT STEPS I am demanding : Immediate deletion of all inaccurate and unverifiable late payments from my credit report. 
A written statement confirming removal of these items within 30 days. 
Copies of all evidence used to verify these accounts, including my original signed agreement and detailed payment history. 
If Experian fails to comply within 30 days, I will : File formal complaints with the CFPB, FTC, and my state Attorney Generals office. 
Seek legal action against Experian for violations of the FCRA and consumer protection laws, including seeking monetary damages for willful noncompliance. 
This is your final notice. Either correct this now, or I will escalate this matter to the highest legal authority available.

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