Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Final Dispute and Legal Demand for Deletion of Unverified and Inaccurate Accounts Report XXXX XXXXXXXX Dear Experian Dispute Department , This letter serves as my formal dispute and legal demand for the permanent deletion of inaccurate, unverifiable, and misleading accounts currently listed on my Experian credit file under Report # XXXX. Your reinvestigation responses have failed to meet the standards set by the Fair Credit Reporting Act ( FCRA ) and associated federal statutes. I now require detailed proof of the method of verification and immediate compliance with federal law. I demand this dispute be reviewed by a human representative, not an automated system. 
Demanded Proof of Verification Student Loan Accounts Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Required under FCRA 1681i and 1681e ( b ) : Full chain of custody from furnisher Legal authority to furnish data Full forbearance history and payment ledger Original Master Promissory Note with wet-ink signature Without this, Experian must delete these accounts as unverifiable under 15 U.S. Code 1681i ( a ) ( 5 ). 


Inaccurate XXXX Reporting Verification Failure Accounts in Violation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All three list a status of XXXX through XXXX XXXX  XXXX, yet my report reflects no actual XXXX public record. This is factually inaccurate and misleading, violating : 15 U.S. Code 1681e ( b ) : Failure to ensure accuracy 15 U.S. Code 1681i ( a ) : Failure to delete unverifiable info These accounts must be removed immediately due to lack of supporting public record. 
Unauthorized Re-Insertion of Deleted Account Experian has reinserted a previously deleted negative account without providing notice within 5 business days as required under FCRA 1681i ( a ) ( 5 ) ( B ). This is a clear breach of law and constitutes willful noncompliance, actionable under : 15 U.S. Code 1681n Civil Liability for Willful Noncompliance 15 U.S. Code 1681b Permissible purpose of access Unauthorized and Disputed Debts XXXX Account : XXXX I do not owe this debt. Show method of verification or delete. 
XXXX XXXX : XXXX XXXX proof of this debt exists. Provide contractual documentation or delete XXXX XXXX XXXX XXXX Accounts Accounts : XXXX XXXX XXXX XXXX XXXX  never provided written notice before marking accounts late. Additionally, reporting a Charge Off on XX/XX/XXXX is factually impossible and violates : 15 U.S. Code 1681e ( b ) Accuracy standards 15 U.S. Code 1681 ( a ) ( 2 ) Protection against outdated or unverifiable reporting FCRA 605A605B Identity theft & blocking inaccurate data You are required to show method of investigation and correspondence logs with Upgrade or delete these accounts immediately.

False Income & Credit Utilization Reporting VantageScore XXXX shows XXXX  % utilization and $ XXXX income both inaccurate and unverified Violates FCRA 1681e ( b ) and FCRA 1681i Also governed by : o 15 U.S. Code 1666b Fair credit billing o 12 CFR 1026.13 Billing error resolution Resulting Harm & Further Violations Due to Experians false and negligent reporting, I was denied financing by : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX This demonstrates actual financial harm, and I will pursue full remedies under : 15 U.S. Code 1681n Willful noncompliance 15 U.S. Code 1681o Negligent noncompliance 15 U.S. Code 1692g ( b ), 1692c, 1692d, and 1692k FDCPA violations regarding unauthorized and abusive reporting practices Final Demand : You have 15 business days from receipt of this letter to : 1. Provide proof for each item listed above 2. Delete all unverifiable and inaccurate accounts 3. Provide documentation of your method of investigation and results from the furnishers Failure to comply will result in : Complaint to CFPB, FTC, and State Attorney General Filing of a civil suit seeking damages under FCRA 1681n and 1681o 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