Consumer complaint received 2025-12-27 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: KY

Complaint narrative:
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 Dear Experian, Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter constitutes a formal dispute and demand for immediate deletion of inaccurate, incomplete, and unverified information currently being reported on my consumer credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The accounts listed below are being reported in violation of federal law : Disputed Accounts Below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) mandates a reasonable reinvestigation of disputed information and deletion of any item that can not be verified. 
Recent federal court decisions and regulatory actions against consumer reporting agencies, including Experian and Equifax, have made clear that : Automated or superficial verification processes are insufficient Reliance solely on furnisher responses without documentary evidence does not satisfy the FCRA Continued reporting of unverified data constitutes negligent and, in some cases, willful noncompliance Despite these well-established legal standards, you continue to report the disputed accounts without providing competent verification, thereby violating 15 U.S.C. 1681e ( b ) and 1681i ( a ).

As a direct and proximate result of your negligence, I have suffered measurable and ongoing harm, including : Denial of credit cards Denial of auto loan financing Assignment of higher interest rates Loss of financial opportunities These damages are actionable under 15 U.S.C. 1681o ( negligent noncompliance ) and 15 U.S.C. 1681n ( willful noncompliance ), which provide for recovery of actual damages, statutory damages, punitive damages, court costs, and attorneys fees.

Accordingly, I hereby demand that you : 1. Immediately delete all disputed accounts that can not be fully verified with documentary evidence 2. Cease reporting any inaccurate, incomplete, or misleading information 3. Provide written confirmation of deletion I have been denied credit cards, auto loans and high interest rates because of your negligence I'm giving you five ( 5 ) days to remove these accounts or I'm have to take this up to Legal Damages This letter is sent in good faith as an opportunity to resolve these violations promptly. 
Govern yourself accordingly. 
Sincerely XXXX 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