Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
COMPREHENSIVE LEGAL DEMAND FOR CORRECTION & UNIFORMITY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX SSNXXXX | DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX | Email : XXXX [ Thursday XX/XX/XXXX ] TO : Consumer Financial Protection Bureau ( CFPB ), Equifax, Experian , TransUnion, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and All Known & Unknown Data Furnishers VIA : CERTIFIED MAIL WITH RETURN RECEIPT RE : FORMAL DEMAND FOR IMMEDIATE CORRECTION OF UNLAWFUL CREDIT REPORTING ; VIOLATIONS OF FCRA, FDCPA, TFC, AND CONSUMER PROTECTION LAWS To Whom It May Concern : This is a formal legal demand, not a request for investigation. My consumer credit reports are in a state of profound legal non-compliance, riddled with inaccuracies and systemic violations that have unlawfully damaged my creditworthiness.

1. SYSTEMIC INACCURACIES & NON-UNIFORM REPORTING The core function of the national credit reporting system is to maintain accurate and uniform data. My reports are neither, demonstrating a wholesale failure of reasonable procedures as required by law. 

TransUnion ( XX/XX/XXXX ) : Reports 38 late payments across multiple accounts. 
Equifax ( XX/XX/XXXX ) : Reports only 4 late payments. 
This drastic 34-payment discrepancy is prima facie evidence of a failure to maintain " maximum possible accuracy '' under 15 U.S.C. 1681e ( b ).

2. UNLAWFUL REPORTING OF CLOSED ACCOUNTS WITH ONGOING NEGATIVES The following closed accounts are illegally reporting historical late payments, creating a perpetual and misleading penalty that does not reflect my current credit management. This practice is deceptive and violates multiple statutes.

DEMAND FOR IMMEDIATE DELETION TRANSUNION : XXXX  ( Closed ) 5 Missed Payments XXXX  XXXX ( Closed ) 3 Missed Payments XXXX XXXX  ( Closed ) 2 Missed Payments XXXX ( Closed ) 1 Missed Payment XXXX  ( Closed ) 4 Missed Payments XXXX ( Closed ) 4 Missed Payments XXXX ( Closed ) 3 Missed Payments XXXX ( Closed ) 3 Missed Payments XXXX XXXX Closed ) 3 Missed Payments XXXX  ( Closed ) 1 Missed Payment DEMAND FOR IMMEDIATE DELETION EQUIFAX : XXXX XXXX  ( Closed ) 1 Missed Payment XXXX XXXX XXXX ( Closed ) 1 Missed Payment 3 . LEGAL BASIS FOR IMMEDIATE CORRECTION The continued reporting of this information violates the following state, federal, and international legal standards : FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C. 1681 et seq.

1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

1681i ( a ) : Failure to conduct a proper and timely reinvestigation of disputed information.

1681c ( a ) : The misleading nature of continuing to punish a consumer for old, closed-account histories.

FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) 15 U.S.C. 1692e The use of false, deceptive, or misleading representations in connection with the collection of a debt, including the misleading reporting of stale debt information.

TEXAS FINANCE CODE 392.301 et seq. ( Texas Debt Collection Act ) Prohibits a debt collector from using fraudulent, deceptive, or misleading representations that misrepresent the character, extent, or amount of a consumer debt.

TEXAS DECEPTIVE TRADE PRACTICES ACT ( DTPA ) Tex. Bus. & Com. Code 17.46 Defining the willful non-compliance with federal credit laws as a " false, misleading, or deceptive act or practice. '' INTERNATIONAL COVENANT ON CIVIL AND POLITICAL RIGHTS ( ICCPR ) Article 17 " No one shall be subjected to arbitrary or unlawful interference with his privacy, family, home or correspondence, nor to unlawful attacks on his honour and reputation. '' The current state of my credit reports constitutes an unlawful attack on my reputation and honor.

OECD GUIDELINES ON THE PROTECTION OF PRIVACY AND TRANSBORDER FLOWS OF PERSONAL DATA The data contained in my reports is inaccurate, and the lack of uniformity violates the core principles of data quality and individual participation.

4. DEMAND FOR RELIEF I demand the following actions be taken immediately, without the need for another futile " investigation '' : 1. IMMEDIATE DELETION : The permanent removal of all late payment histories for the closed accounts listed above from all credit bureaus and all third-party data aggregators ( e.g., XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  ). 
2. FULL UNIFORMITY : All credit reporting agencies must synchronize their data to reflect a 100 % positive payment history, as is my current and sustained practice.

3. CEASE ALL FURNISHING : All data furnishers ( original creditors, collectors, etc. ) must immediately cease reporting any negative information related to these closed accounts.

4. CFPB ACTION : The CFPB is hereby notified of this systemic failure and is demanded to use its enforcement authority under 12 U.S.C. 5531 to rectify these unlawful practices industry-wide.

The current misinformation has been used against my will, incorrectly displaying my ability to pay, and has unjustly deprived me of the financial opportunities required to live a comfortable life, free from debt caused by systemic failures.

This matter must be corrected immediately, honorably, and without question. I will no longer participate in your faulty, vigorous, tiresome trials and tribulations. The only acceptable resolution is correction in accordance with the law.

Failure to comply with this demand within 30 days will result in the immediate filing of : Formal lawsuits against Equifax, Experian, and TransUnion for willful non-compliance with the FCRA.

Complaints with the Texas Attorney General 's Office for violations of the Texas Finance Code and DTPA.

A petition to the FTC for further enforcement action. 

Respectfully submitted, 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