Consumer complaint received 2025-10-14 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: CT

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX ( Last XXXX ) : XXXX XXXX To : Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Notice of Dispute and Demand for Deletion of Unverified, Inaccurate, and Erroneous Accounts Re : Violation of 15 U.S.C. 1681i, 1681s-2, 1692e, and UCC 1-308 Dear Credit Bureau Compliance Department , I am formally disputing several inaccurate, unverifiable, and improperly reported accounts appearing on my credit file. This letter is written pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC 1-308 ). Under 15 U.S.C. 1681i ( a ), you are required to reinvestigate any disputed item and delete any information that can not be verified as accurate and complete within the time frame allowed by law. You must also ensure compliance with 1681s-2 ( b ), which prohibits the continued reporting of inaccurate information once notice of dispute has been received. 

Below are the specific accounts I dispute as inaccurate, incomplete, and unverifiable : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as : Past due XXXX days Reason : This is not a traditional credit account, and reporting under consumer credit law violates my rights under 15 U.S.C. 1681a ( d ) ( 2 ) ( non-credit obligation ). Provide verifiable proof of a consumer credit relationship and signed contract authorizing this tradeline. 
XXXX. XXXX XXXX XXXX ( Original Creditor : Eversource ) Reason : No contract or signed agreement with this agency. Provide original wet-ink signature contract proving liability and ownership of the debt. If none exists, delete immediately per 15 U.S.C. 1681i ( a ) ( 5 ). 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Reason : Account reported as Charged Off but still shows an open balance. This is a factual inaccuracy under FCRA 1681s-2 ( a ) ( 1 ) ( B ). If charged off, no balance can remain due. Please delete this entry if you can not verify both the accuracy and completeness of the charge-off status. 
XXXXXXXX XXXX XXXX Reason : Account reported as Charge-off and Closed simultaneously, which is inconsistent. Provide full validation including payment history, contract, and itemized accounting from the original creditor. Otherwise, delete as unverifiable under XXXX ( a ). 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Reason : Account was previously disputed and marked as Resolved. Continued reporting constitutes re-aging and a violation of 1681c ( a ) ( 4 ). Remove immediately unless you can verify its current accuracy with dated documentation from the original creditor. 



Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you have XXXX days from receipt of this letter to conduct a full reinvestigation and provide me with written verification of your findings. 
If you can not verify these accounts with documented evidence from the original creditor, you are required by law to delete them from my credit file. 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office, as well as consideration of civil action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

In accordance with UCC 1-308, I reserve all rights without prejudice. 

Respectfully, 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