Consumer complaint received 2025-05-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXXXXXX  Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : IMMEDIATE DISPUTE AND DELETION REQUEST UNDER FCRA/UCC/FDCPA CHARGE-OFFS & COLLECTION ACCOUNTS To Whom It May Concern, This letter is a formal and final notice demanding the immediate deletion of the following accounts reported on my Experian credit report. These accounts are inaccurate, unverifiable, and in direct violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Uniform Commercial Code ( UCC ). 
Accounts to be DELETED : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off {$0.00} LEGAL BASIS FOR IMMEDIATE REMOVAL : FCRA 1681i ( a ) ( 1 ) ( A ) : Experian must reinvestigate any disputed information and delete unverifiable data within 30 days.

FCRA 1681b : Prohibits reporting or sharing of information without a valid permissible purpose. Any item reported inaccurately or with an invalid or unverified furnishing source violates this section. 
FDCPA 809 ( b ) : Debt collectors must validate the debt upon request with original documentation including full chain of assignment. You are complicit if reporting unverifiable accounts. 
UCC 3-501 ( b ) ( 2 ) : I am demanding presentment of the original instrument bearing my wet-ink signature. Failure to do so constitutes a failure of proof of indebtedness and waives the right to collection or reporting. 
ADDITIONAL GROUNDS FOR REMOVAL : 1. Reporting {$0.00} balances as negative entries is deceptive and materially misleading, violating FCRA 1681s-2 ( b ). If the account has a XXXX balance and is no longer collectible, it must not be reported as derogatory. 
2. If any of these accounts were accessed, reported, or modified using data compromised in a data breach ( e.g., XXXX XXXX I demand deletion based on consumer fraud vulnerability and unverifiable data integrity. 
3. You must provide : - Original signed contracts - Full chain of assignment and ownership- Verification from the original creditor, not a third party If Experian can not provide verifiable evidence of these accounts legitimacy and legality within the 30-day time frame, you are required by law to delete these items permanently. 
If this request is not honored, I will file complaints with : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - Illinois Attorney Generals Office And I will pursue civil damages up to {$1000.00} per violation under 15 U.S. Code 1681n for willful noncompliance. 
This is your final opportunity to comply. 

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