Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
NOTICE OF FCRA VIOLATIONS AND DEMAND FOR CORRECTION & PRESERVATION Dear Chief Financial Officer : This letter is a final pre-litigation demand and formal litigation hold regarding Experians reporting and reinvestigation of the XXXX tradeline identified above. The reporting, as displayed to me, is materially misleading and Experians handling of my dispute was inadequate under the Fair Credit Reporting Act. 

Material Facts ( dates & amounts ) Prior deletion : On XX/XX/XXXX, Experian reported the XXXX tradeline Deleted/ removed ( Report XXXX ). 
Reappearance without notice : The tradeline reappeared in XXXX ; I received no five-day reinsertion notice as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Closed but lates : The tradeline shows Closed. {$98.00} past due as of XX/XX/XXXX, yet lists late codes XXXX for XXXX XXXX. 
Balance drop without payment history : Balance changed {$590.00} ( updated XX/XX/XXXX ) to {$220.00} ( updated XX/XX/XXXX ) with no corresponding payment entries appearing on the tradeline. 
Dispute & result : I disputed on XX/XX/XXXX ( Report XXXX ). XXXX outcome reflected Updated / results not available online, with no substantive corrections.These omissions and inconsistencies render the tradeline materially misleading to a reasonable reader ( Third Circuit standard ).

Demands for Correction & Compliance ( respond within 15 days ) 1681e ( b ) Accuracy : Correct or delete so the tradeline is not materially misleading : Add the actual payment history that explains {$590.00} {$220.00}, or correct the balance/late codes ; Clarify closure status so it is not contradicted by ongoing derogatories ; Display ( or accurately maintain ) the Date of First Delinquency ( DOFD ) used for obsolescence ; if consumer disclosures do not display DOFD by design, provide the DOFD value actually used and the source system field from which it is derived.

1681i ( a ) Reinvestigation : Conduct a reasonable reinvestigation addressing the specific issues above and provide a written statement of findings, the method of verification, and a description of the procedures used ( see 1681i ( a ) ( 6 ) ( B ) ( iii ) ). Include any ACDV/Case ID ( s ) associated with this reinvestigation. Pending completion, ensure the tradeline is clearly marked consumer disputes this information on all consumer reports furnished to third parties.

1681i ( a ) ( 5 ) ( B ) Reinsertion : Provide : A copy of the furnisher certification obtained before reinsertion ; and Proof of the five-day written notice of reinsertion sent to me. 
If these do not exist, delete the reinserted information and confirm deletion in writing. 
Litigation Hold Preservation Required Effective immediately, preserve all documents/ESI relating XXXX this tradeline and my dispute ( XXXX ), including : Reinsertion logs/workflows, certifications received, and any notice mailers/emails ; ACDV/e-OSCAR requests/responses, investigation notes, and decision rules/scripts ; The full Metro-2 data as received from the furnisher ( Account Status, Payment Rating, DOFD, Date Closed, Remarks ) and as displayed ; System audit trails showing Balance updated XX/XX/XXXX {$590.00}, Balance updated XX/XX/XXXX {$220.00}, and the late-code postings XXXX XXXXThis hold applies to all custodians and vendors ( including e-OSCAR handlers ), backups, and auto-deletion policies. Do not destroy, alter, or conceal these materials. 

Next Steps if Unresolved If I do not receive full written confirmation of corrections and statutory compliance within 15 calendar days of receipt, I will file formal complaints with the CFPB and FTC and initiate litigation seeking statutory, actual, and punitive damages, attorneys fees, and appropriate injunctive/equitable relief under 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 5 ) ( B ) and all applicable state-law remedies, including Pennsylvanias UTPCPL.

This demand is made without prejudice to all rights, claims
, and remedies.

Kindly send your response by Certified Mail, to the address above, and reference this letters Registered Mail tracking number in your reply. 
Respectfully submitted,

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