Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re : Formal Notice of Dispute Failure to Verify, Correct, or Delete Inaccuracies Under FCRA/FACTA/FDCPA To Whom It May Concern, This letter serves as a formal and final demand under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) , the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ) , regarding the inaccuracies, unverifiable accounts, and impermissible inquiries currently being reported on my Experian credit report ( Report XXXX XXXX generated XXXX XXXX XXXX XXXX 

Despite prior disputes, Experian has continued reporting false or unverifiable information without producing any documentation to substantiate its accuracy or completeness, which constitutes willful noncompliance under 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( b ). This is a direct violation of federal law and actionable. 

XXXX. Incorrect Personal Identifiers I demand the immediate deletion of all inaccurate name variations, including but not limited to : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only correct legal name associated with my identity is XXXX XXXX. Reported inaccuracies must be deleted in accordance with 15 USC 1681g and 1681e ( b ). 

XXXX. Negative Accounts Previously Disputed Without Verification The following accounts have been previously disputed, yet Experian continues to report them without providing any legally mandated documentation or contracts bearing my signature, in direct violation of 1681i ( a ) and 1681b ( a ) ( XXXX ) : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple charged-off accounts ) - XXXX XXXX XXXX ( debt buyer ) You have failed to provide any lawful validation from the original creditor ( XXXX ) as required. Statements from a furnisher are not sufficient. I hereby demand immediate deletion of all the above accounts until full validation is produced, or per 1681i ( a ) ( 5 ) ( A ), you must delete them from my report.

3. Unauthorized Inquiries No Permissible Purpose Under FCRA 1681b, a consumer reporting agency may only furnish a consumer report for permissible purposes. I am demanding the deletion of any and all inquiries that are not connected to an active, open account for which I gave direct written authorization. 

XXXX. Legal Notice of Liability If these violations are not remedied within 15 days, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General for willful noncompliance. I will also pursue civil remedies under 1681n and 1681o, including statutory damages of up to {$1000.00} per violation, punitive damages, and legal fees. 

Remedy Demanded : - Immediate deletion of all inaccurate names - Removal of all unverifiable and previously disputed negative accounts - Deletion of all unauthorized or impermissible hard inquiries - A full updated credit report mailed to the address above within XXXX calendar days 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