Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
Thank you for reviewing my complaint regarding the inaccurate reporting on my credit file. However, I am writing to formally dispute the sufficiency of the investigation and request deletion of the following accounts due to unresolved inaccuracies and failure to provide verifiable documentation as required under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX Although the account history was updated, the creditor merely verified the data without producing any supporting documentation to validate the reported information. According to the FCRA ( 611 and 609 ), I am entitled to verified documentation, not just automated verification. The continued reporting of inaccurate or unverifiable information constitutes a violation under 15 U.S.C. 1681i, 1601, 1692C, 1666b and 1681e ( b ). Since no documentation was provided, I request immediate deletion of this account from my credit file.AS THIS is being reported as a charged off auto loan so i will also need to know and recieve the following was this sold commercialy if so when, too who and where too and was it sold for fair market value and how muchwas it sold for, did you send a diffency letter and if so who signed off on it where was it sent and the date it got sent.please stop sending me forms to send back too stall the process only thing i should i recieve is my copy of requested forms and verfication that the negative account is deleted off all 3 bureaus.HUGE VIOLATION XXXX. XXXX XXXX XXXX While you state the account has been " updated, '' it remains unclear what specific inaccuracies were corrected. No documentation was provided to validate its accuracy. Again, under 15 U.S.C. 1681i,1601 and 1692C if the accuracy of an account can not be fully verified with documentation, it must be deleted & not updated.HUGE VIOLATION Additionally, I would like confirmation of " what exact documents '' were reviewed by Equifax during this process and provided by the furnishers. If none were submitted, the FCRA requires that the disputed information be removed. Simply contacting the furnisher and taking their word is not sufficient under federal law. 

I appreciate that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was deleted. However, I urge Equifax to apply the same standard of removal to the remaining accounts where full validation has not been proven. 

Please treat this as a continued dispute and an * * official request for deletion * * based on : * Lack of proper verification documentation, * Incomplete or inaccurate reporting * FCRA rights under 609 and 611 I request written confirmation of the reinvestigation and any deletions made.

Also under 15 usc 1681N ( Civil Liability For Willful Noncompliance ) Im subjected too {$1000.00} PER ITEM stating Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. so both creditors shall send {$1000.00} payment to XXXX XXXX to address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXfailure to comply results to higher fines Thank you for your continued attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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