Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
Subject : Urgent Dispute & Demand for Permanent Deletion Failure to Comply with FCRA and UCC Provisions To Whom It May Concern, I am writing to formally dispute and demand the immediate and permanent deletion of all inaccurate, incomplete, unverifiable, and misleading information reported on my credit report, as required under federal law, including but not limited to : Late payments Charge-offs Collections Debt buyer accounts This dispute is made pursuant to 15 U.S.C. 1681i, which mandates that any item of information disputed by a consumer that is found to be inaccurate, incomplete, or can not be verified must be promptly deleted.

Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers are prohibited from reporting information with actual knowledge of errors. Reporting agencies must ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) No information shall be furnished if the furnisher has been notified of its inaccuracy and the information is, in fact, inaccurate. 15 U.S.C. 1666b Requires proper billing statements to be delivered no later than 21 days before a payment due date. Any late payment reporting without adherence to this requirement constitutes a billing error, and under 15
U.S.C. 1666b ( 4 ) ( 5 ), such late payments must be removed.

15 U.S.C. 1681 ( a ) Privacy and Consent My right to privacy prohibits the reporting of any transactions between me and the creditor to the consumer reporting agencies without my consent. Any such reporting is a violation of 15 U.S.C. 1681 ( 4 ). 15 U.S.C. 1681n and 16810 Civil liability for willful an
d negligent noncompliance respectively.

15 U.S.C. 1681c Reporting time limits.

15 U.S.C. 1692g ( b ) Debt collectors must provide proper validation of debts before continuing to report or collect.

15 U.S.C. 1681q Furnishing information under false pretenses.

Additionally, under UCC laws, any attempt to enforce or collect on a debt without a valid and verified contract or account chain of title is null and void. Debt buyers, in particular, must show clear proof of ownership and authority to report or collect.

My Demands : 1 Immediately and permanently delete all inaccurate, unverifiable, and incomplete information from my credit report, including but not limited to : Late payments Charge-offs Collections Debt buyer accounts 2. Update any accounts to paid as agreed, where no verification has been provided.

3 Provide me with a written explanation of the steps taken to investigate and the results of the investigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ).

Failure to comply with my demands will result in my exercising my rights to pursue civil remedies under 15 U.S.C. 1681n and 16810, including seeking actual damages, statutory damages, costs, and attorney fees for willful and negligent noncompliance with the FCRA.

I expect these items to be permanently removed within 5 business days as required by law. This letter serves as my formal notice of dispute and demand for deletion under the Fair Credit Reporting Act and related statutes.

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