Consumer complaint received 2025-04-04 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: NY

Complaint narrative:
REBUTTAL TO COMPANY RESPONSE CFPB Complaint ID : XXXX Complainant : XXXX XXXX XXXX XXXX [ Insert Todays Date ] I am submitting this formal rebuttal to the response provided by the company on XXXX XXXX XXXX, regarding my complaint concerning unlawful credit reporting and violations of federal consumer protection laws. 

1. Inadequate and Vague Response The companys response states that two of the customer 's accounts were deemed valid fraud and the debt buyer was notified. However, no specific accounts were identified, and no documentation was provided confirming deletion of the fraudulent accounts from my credit reports. A vague statement without details, confirmation of resolution, or updates to credit bureaus is not an acceptable or complete response.

2. Failure to Address All Disputed Items The original complaint clearly listed multiple accounts being unlawfully reported as charge-offs in violation of IRS Regulation 1099-C and FCRA 1681s-2 ( a ) ( 1 ) ( A ). Additionally, I demanded the removal of incorrect late payment notations from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Mortgage None of these issues were addressed in the response. This omission demonstrates a lack of due diligence and a failure to correct all inaccurate and misleading information that is damaging my credit profile. 

3. Continuing FCRA Violations Under the Fair Credit Reporting Act ( FCRA ), information furnished to credit reporting agencies must be accurate and complete. Reporting discharged debt ( post-1099-C issuance ) or late payments that were never valid constitutes defamation and misrepresentation of my creditworthiness. I reiterate that these actions violate : FCRA 1681s-2 ( a ) ( 1 ) ( A ) duty to furnish accurate information FCRA 1681b restrictions on reporting without permissible purpose Truth in Lending Act ( TILA ) protections against misleading consumer reporting 4. Immediate Actions Required I demand a complete and detailed resolution including : Identification of which two accounts were deemed fraudulent Written confirmation of their permanent removal from all three credit bureaus Immediate investigation and deletion of all remaining accounts listed in my original complaint Permanent removal of alleged late payments reported by XXXX XXXX and XXXX XXXX If the company does not fully comply, I will pursue additional regulatory complaints with the IRS, FTC, and the State Attorney Generals Office. I also reserve the right to seek monetary damages for ongoing harm caused by these unlawful reporting practices. 

Conclusion This matter remains unresolved. The company 's response failed to fully address or rectify the issues raised. I request immediate corrective action and a complete, itemized follow-up response from all involved parties. 

Sincerely, XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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