Consumer complaint received 2025-05-13 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:
RE : FORMAL SECOND NOTICE DEMAND FOR DELETION OF INACCURATE, UNVERIFIED, AND UNAUTHORIZED DATA UNDER FCRA, FDCPA, GLBA, and FACTA To Whom It May Concern, This is a formal second dispute and notice of continued FCRA violations regarding your ongoing reporting of inaccurate, unverified, and unauthorized information on my Equifax credit file. Your failure to correct these issues after my prior dispute constitutes willful and negligent noncompliance with federal law.

I now demand immediate deletion of all disputed items listed below pursuant to : 15 U.S.C. 1681i Failure to properly reinvestigate 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy 15 U.S.C. 1681b Permissible purpose of credit inquiries 15 U.S.C. 1692g ( b ) Debt collectors duty to validate Gramm-Leach-Bliley Act ( GLBA ) Unauthorized access and use of personal data Fair and Accurate Credit Transactions Act ( FACTA ) Protection against identity theft and unauthorized use Your continued inaction is exposing me to ongoing consumer harm, credit denials, and reputational damage. You are hereby placed on notice. 
ONGOING CONSUMER HARM The items below are materially inaccurate, outdated, or unverifiable and are causing substantial financial harm, including but not limited to loan rejections, high interest rates, and loss of opportunity. This is a direct violation of 15 U.S.C. 1681e ( b ), which mandates you report only complete and verified data. 
ACCOUNTS IN DISPUTE LATE PAYMENT REPORTING XXXX XXXXXXXX Account # : XXXX * XXXX XXXX XXXX XXXX XXXX  High Balance : {$230.00} Date Opened : XX/XX/XXXX This account is being inaccurately reported with derogatory payment history. I dispute the accuracy and demand all supporting documentation, including original billing statements, a signed account application, and full payment history. If you are unable to produce this, the derogatory information must be deleted immediately under 15 U.S.C. 1681i and 1681s-2 ( b ). 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$30000.00} Date Opened : XX/XX/XXXX This account is reported as a charge-off. No original documentation has been provided to substantiate this derogatory status. Under FCRA 1681i ( a ) and FDCPA 1692g ( b ), you must provide signed agreements, account statements, and a complete breakdown of the debt. If unavailable, this item must be permanently removed.

DELETE INCORRECT, DUPLICATE, OR OUTDATED ADDRESSES The following addresses are not associated with any active tradelines or are redundant duplicates, violating your obligation to maintain only accurate identifiers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( invalid formatting ) 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 XXXXXXXX Only valid and current address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681e ( a ), delete all erroneous addresses from my file immediately. 
REMOVE UNAUTHORIZED CREDIT INQUIRIES The following inquiries were made without my written authorization or a permissible purpose and therefore violate 15 U.S.C. 1681b ( f ) and the Gramm-Leach-Bliley Act ( GLBA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Unless you can provide documented proof of my signed authorization and the purpose for each inquiry, they must be immediately deleted in accordance with FCRA 1681b and 1681n ( a ).

LEGAL OBLIGATIONS & COMPLIANCE DEMANDS FORMAL REQUEST FOR VERIFICATION & DELETION Under FCRA 1681i, you are required to reinvestigate each disputed item and remove any unverifiable entry within 30 calendar days. If you continue to report unverifiable or incorrect information, you are in violation of : 15 U.S.C. 1681e ( b ) Failure to ensure accuracy 15 U.S.C. 1681n Willful noncompliance ( up to {$1000.00} per violation plus punitive damages ) 15 U.S.C. 1681o Negligent noncompliance 15 U.S.C. 1681s-2 ( b ) Furnisher 's duty to investigate disputed information DELETE INACCURATE & HARMFUL DATA You have a non-delegable legal duty to remove all entries that can not be independently verified through original documentation. Repeating previously reported data from furnishers or debt collectors without validation does not meet the FCRAs burden of accuracy.

THIRD-PARTY ASSISTANCE DISCLOSURE I retain the right to be represented by a third party, attorney, or credit professional. You may not delay or disregard disputes based on their involvement, per CFPB XXXX XXXX. Your continued failure to comply will result in escalated legal actions. 
DEMAND FOR ACTION XXXX. Permanently delete all accounts listed above that can not be fully validated. 
XXXX. Delete all outdated and incorrect addresses from my file. 
XXXX. Remove all unauthorized inquiries that lack signed consent. 
XXXX. Provide me with a written investigation summary and an updated copy of my credit report.

NOTICE OF ESCALATION & REGULATORY ACTION Should you fail to comply with these demands, I will pursue the following without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB
) Submit violation reports to the Federal Trade Commission ( FTC ) Contact the Colorado Attorney Generals Office Retain legal counsel to pursue claims under 15 U.S.C. 1681n, 1681o, 1692k, and GLBA 502 You are being given this one final opportunity to correct your violations voluntarily. Please treat this matter with the urgency and legal seriousness it demands. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Legal File

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