Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent this to them over 30 days ago, but have not gotten a reply. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute and Request for Permanent Deletion of Inaccurate, Incomplete, and Unverifiable Accounts Pursuant to FCRA 602623, FDCPA 807, and Metro 2 Compliance Standards Dear TransUnion Dispute Department, I am formally disputing the following negative and derogatory accounts appearing on my TransUnion credit file. After reviewing my full consumer disclosure, I have found multiple items that are unverifiable, inaccurate, outdated, and nonMetro 2 compliant, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
The following accounts are disputed in full for immediate deletion : XXXX. XXXX XXXX XXXX Multiple listings ( Acct. XXXX. XXXX, XXXX, XXXX, XXXX ) show balances reported on XXXX with Original Creditor : Not Available. These entries violate FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ) due to lack of source verification and failure to report accurate data. They must be permanently removed. 
XXXX XXXX XXXX XXXX ( Acct. XXXX ) Balance reported XX/XX/2025 with no verifiable original creditor ; violates FCRA 609 ( a ) ( 1 ) ( failure to provide source ) and 607 ( b ) ( reasonable accuracy requirement ). 
XXXX. XXXXXXXX XXXX XXXXXXXX ( Acct. XXXX XXXX XXXX XXXX XXXX XXXX Duplicate reporting under varying names ( XXXX XXXX XXXX XXXX ). This constitutes duplicate derogatory reporting under 15 U.S.C. 1681s-2 ( b ) and must be deleted immediately. 
XXXX. XXXX XXXX ( Acct. XXXXXXXX ) Incorrectly showing {$15000.00} Past Due though the account was closed XXXX  ; violates Metro 2 guidelines for closed accounts. 
XXXX. XXXX XXXX XXXX Bank ( Acct. XXXX XXXX  ), XXXX XXXX ( Acct. XXXX XXXX ), and XXXX XXXX XXXX Acct. XXXX ... ) Contain late payment and charge-off data that is inconsistent between bureaus and unverifiable per FCRA 611 ( a ). 
Under FCRA 611 ( a ) ( 1 ) ( A ), you are legally obligated to reinvestigate and delete or correct these items within 30 days. Under FDCPA 807 ( 8 ), continued reporting of disputed or unverifiable information constitutes misrepresentation. 
Demand for Compliance : If you can not verify each disputed entry within the required period, I demand immediate permanent deletion of all disputed accounts. Continued reporting of unverifiable data will constitute willful noncompliance under 15 U.S.C. 1681n and will result in further action, including complaint filings with the Consumer Financial Protection Bureau ( CFPB ), FTC, and the Florida Attorney General.

Please mail me written confirmation of deletion or correction within 30 days as required by FCRA 611 ( a ) ( 6 ) ( B ) ( ii ). 
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