Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : Final Demand for Full Verification of Charge-Off Accounts Notice of Arbitration & Legal Action To Whom It May Concern, This letter serves as my formal dispute and final demand regarding multiple charge-off accounts you are reporting under my name and Social Security number. I hereby demand that you fully verify these accounts with actual legal documentation, or immediately delete them from my credit report. 

Let me be absolutely clear : A generic response claiming the account has been verified is NOT legal validation. 
A past-due bill or internal summary is NOT legal validation. 
If you do not have real proof you have no right to report these accounts. 

Disputed Charge-Off Accounts : 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 Not Listed ( Charge-Off ) YOU ARE IN VIOLATION OF : FCRA 609 ( a ) ( 1 ) You must provide the method, source, and documentation used to verify disputed information FCRA 611 ( a ) ( 5 ) ( A ) Unverified items must be deleted FCRA 605 ( b ) You may not report inaccurate or unverifiable information FCRA 623 ( a ) ( 3 ) You must not continue to report items that are disputed and unverified 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) You must fully reinvestigate disputes within XXXX  days I AM DEMANDING : The name and department of the individual ( XXXX ) or data furnisher you spoke to A copy of every document you received that verified these accounts A copy of the original signed agreement ( bearing my wet signature ) for each charge-off Proof that these companies are legally authorized to furnish information to your agency If you do not have this documentation then you are reporting fraudulent, incomplete, or misleading information, which is a direct violation of federal law. 

FINAL WARNING : 15 DAYS TO COMPLY If I do not receive full, itemized verification of each account listed above within XXXX calendar days, I will initiate binding arbitration through JAMS and file formal legal complaints against Experian for : Willful noncompliance with the FCRA Defamation of character Emotional and financial damages Violation of my consumer protection rights I will also notify the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office. 

You are now on notice. Either provide complete, legally sufficient proof of your right to report these charge-offs or remove them immediately from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/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