Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
AFFIDAVIT OF DISPUTE & FORMAL NOTICE OF CONTINUED VIOLATIONS ROUND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Email XXXX Phone XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This notice is sent directly from me, the consumer. After my certified Round XXXX dispute, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ). 
Instead of deleting unverifiable items, Experian manipulated status and update dates to make outdated derogatories appear new. 
That is willful non-compliance with FCRA 1681i, 611, and 1681e ( b ). 

XXXX Disputed Accounts Unverified and Manipulated XXXXXXXX XXXX Acct # XXXX XXXX XXXX Opened XX/XX/XXXX | Charged off XX/XX/XXXX | {$1600.00} balance. 
Status falsely updated XX/XX/XXXX to re-age the debt a violation of 605 ( a ) and XXXX XXXX XXXX XXXX XXXX, which forbids balances or monthly updates after charge-off. 
XXXX ( XXXX ) Acct # XXXX XXXX XXXX Opened XX/XX/XXXX | Settled XX/XX/XXXX | {$5600.00} write-off. 
Experian altered reporting fields without lawful verification, violating 1681i ( 7 ) and 611.

These changes prove Experian failed to perform a proper reinvestigation under 611.

Both accounts must be deleted or verified with certified evidence. 

XXXX Method of Verification and Documentation Demand Under 1681i ( 7 ) I request the complete method of verification for both accounts.

Provide the name, address, and documentation from each furnisher relied upon, including : Original signed contract ( wet-ink signature ) Full billing statements and payment history Assignment or chain-of-title records proving ownership If these documents are not produced within XXXX  days, I will hire legal counsel and obtain them through federal discovery under 616 & 617 for willful and negligent non-compliance. 

XXXX Continued Reporting and Inaccurate Data Experian continues to report false data despite prior notice. 
Updating charge-off balances and altering status dates violates XXXX XXXX and 1681e ( b ), damaging my credit reputation. 

XXXX Legal Grounds for This Demand XXXX ( XXXX ) : Right to method of verification 611 ( 1681i ) : Reinvestigation requirements XXXX ( b ) : Maximum possible accuracy 1681s-2 ( b ) : Furnisher duty to correct 605 ( a ) : Seven-year obsolescence rule XXXX XXXX Compliance : No balances or updates after charge-off XXXX I Am Demanding XXXX Immediate deletion of the XXXX Card and JPMCB ( Chase ) accounts unless verified with certified documentation. 
XXXX A written explanation of your verification method under 1681i ( 7 ). 
XXXX Copies of all documents relied upon for any verification decision. 
XXXX Written confirmation of deletion or correction within XXXX  days as required by 611. 

XXXX Notice of Legal Intent If Experian fails to provide the requested documentation or continues manipulating data, I will file complaints with the CFPB, FTC, and State Attorney General and retain counsel to sue under 1681n & 1681o. 
This behavior is outrageous, unlawful, and will not be tolerated. 
Pursuant to FCRA 1681i ( 7 ), I again demand the complete method of verification for every reinvestigated account, including the name, address, and direct contact of the furnisher who allegedly verified these accounts. 
Failure to comply will be treated as a willful violation of federal law

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