Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
To Whom It May Concern, This is my follow-up dispute regarding inaccurate and unverifiable accounts appearing on my credit report with Experian. My initial dispute was submitted over 30 days ago. You have failed to provide lawful validation or correction of the accounts listed below. 

In accordance with the Fair Credit Reporting Act ( 15 USC 1681i, 1681e ( b ), 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 USC 1692g , 1692e, 1692d ), you are required to conduct a lawful investigation and delete any information that can not be fully verified. Continued reporting of inaccurate or unverifiable information constitutes willful noncompliance under 15 USC 1681n and negligent noncompliance under 15 USC 1681o. 

The following accounts remain in dispute and must be permanently deleted : - XXXX  XXXX {$1000.00} Collection/Charge-off | Violation : 15 USC 1681s-2, 1692g | Instruction : No validation provided, charged-off & sold without 1099-C, must be DELETED. 
- XXXX {$570.00} Collection/Charge-off | Violation : 15 USC 1681e ( b ), 1692g | Instruction : Inaccurate charge-off reporting, unverifiable, must be DELETED. 
- XXXX XXXX {$300.00} Charge-off | Violation : 15 USC 1681s-2 , 1681e ( b ) | Instruction : Inaccurate reporting, no validation, must be DELETED. 
- XXXX {$410.00} Collection | Violation : 15 USC 1692g, 1681e ( b ) | Instruction : No contract/validation provided, reporting disputed, must be DELETED. 
- XXXX ( XXXX XXXX XXXX {$830.00} Collection | Violation : 15 USC 1692g ( b ), Johnson v. LVNV ( 2023 ) | Instruction : Collector failed to validate, must be DELETED. 
- XXXX XXXX / XXXX {$1100.00} Collection | Violation : 15 USC 1692e, 1681e ( b ) | Instruction : False/misleading representation, unverifiable, must be DELETED. 
- XXXX XXXX XXXX {$1300.00} Collection | Violation : 15 USC 1692g, 1681e ( b ), Wenger v. TransUnion ( 1995 ) | Instruction : No validation, reporting inaccurate, must be DELETED. 
- XXXX XXXX XXXX  {$450.00} Collection | Violation : 15 USC 1692g, 1681o | Instruction : Negligent noncompliance, unverified, must be DELETED. 
- Late Payments ( Mortgage, XXXX XXXX, XXXX, XXXX, etc. ) | Violation : 15 USC 1666b, 1681i | Instruction : Must be updated to Paid as Agreed/Never Late. 

Since you have failed to properly verify these accounts within the time allowed by law, I DEMAND the immediate PERMANENT DELETION of these items from my credit file. Failure to comply will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), my State Attorney General, and pursuit of civil remedies including statutory damages. 

Please provide me with an updated copy of my credit report reflecting these deletions within 15 days of receipt of this letter.

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