Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Final Pre-Litigation Dispute Regarding Inaccurate Reporting of Account by XXXX XXXX Dear Experian Disputes Department, This letter serves as my final pre-litigation dispute regarding the inaccurate and misleading reporting of the following account : Creditor Name : XXXX XXXX ( reported under XXXX XXXX XXXX ) Account Number : XXXX Despite my previous attempts to resolve this issue, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, incomplete, and misleading information. 
Disputed Issues with the Account 1. Failure to Ensure Accuracy ( 1681e ( b ) ) The account is reported with a balance of {$1700.00} and listed as a collection account with 0 % paid off. However, no payment history, transactions, or other supporting documentation is provided to substantiate this balance. 
The original balance remains unchanged at {$1700.00} as of the last update on XX/XX/year>, suggesting a lack of payments or updates, which indicate inaccurate reporting. 
2. Misleading and Incomplete Information ( 1681i ( a ) ) The payment history displayed for this account contains unclear and incomplete entries, with no detailed breakdown of monthly activity or transactions to justify the ongoing delinquent status.

The absence of this information renders the account misleading and incomplete, violating your duty to provide accurate and verifiable credit reporting. 
3. Failure to Conduct a Proper Reinvestigation ( 1681i ) My prior disputes resulted in Experian verifying the account without providing any supporting documentation from the furnisher ( XXXX XXXX ). This constitutes a violation of 1681i, which requires you to conduct a reasonable reinvestigation. 
4. Potential Violations by the Furnisher ( 1681s-2 ) If XXXX XXXX is unable to provide verifiable documentation to support the account balance, its continued reporting of this account is unlawful. As the credit bureau, you have a duty to ensure that furnishers comply with their obligations under the FCRA. 
5. Failure to Notify of Account Updates ( 1681i ( a ) ( 6 ) ) The account status was last updated in XX/XX/year>, yet I was not notified of this update or provided with documentation explaining how the past due balance or delinquent status was determined. 

Requested Resolution To resolve this dispute and ensure compliance with the FCRA, I demand that Experian : 1. Conduct a Comprehensive Reinvestigation Obtain verified documentation from XXXX XXXX that includes the original account agreement, payment history, and proof of the current balance of {$1700.00}. 
2. Correct or Delete Inaccurate Information If the account can not be verified with supporting evidence, remove it from my credit report entirely.

3. Provide a Written Summary of the Investigation Send a detailed summary of the procedures and evidence used to verify the account as accurate, as required by 1681i ( a ) ( 6 ). 
Pre-Litigation Notice Failure to comply with this dispute and provide a resolution within the 30-day timeframe mandated by the FCRA will result in pursuing legal action for willful and negligent noncompliance under 1681n and 1681o, including claims for actual and punitive damages.

This dispute is time sensitive, and I expect acknowledgment of receipt within five business days and a resolution within the legally mandated time frame.

Sincerely, XXXX 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