Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
XXXX Notice XXXX XXXX XXXX and Demand for Immediate Correction & Deletion Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX To : Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Revocation of Consent, Notice of Violations, and Demand for Immediate Deletion of Unlawful Entries This correspondence serves as a formal and binding notice under the authority of the following federal laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

GrammLeachBliley Act ( GLBA ), 15 U.S.C. 68016802 12 C.F.R. 1016.7 ( Right to Opt Out ) Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ( b ) Per 15 U.S.C. 1681 ( a ), Congress explicitly recognized : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I hereby revoke all past, present, or implied consentverbal, written, or otherwiseauthorizing any entity to disclose, share, or furnish my nonpublic personal information to third parties or consumer reporting agencies. 
XXXX. Violations Identified XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Bankruptcy XXXX, XXXX XXXX of Florida Chapter XXXX XXXX, Filed XX/XX/XXXX. 
XXXX deletion of this record from all reports. 
XXXX. Inaccurate and Unauthorized Personal Identifiers Remove all inaccurate names, outdated addresses, and unverified phone numbers. 
Keep only : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX. Unauthorized and Adverse Account Reporting XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Department of XXXX XXXX XXXX XXXX XXXX 
Delete all adverse or unauthorized accounts and cease future reporting.

4. Unauthorized Credit Inquiries Remove all hard and soft inquiries made without explicit written consent.

III. Summary of Demands Within 30 days of receipt of this notice, you must : 1. Delete all inaccurate, unauthorized, and adverse information listed above.

2. Cease and desist from any further reporting or disclosure of my nonpublic personal data.

3. Provide written confirmation of all deletions and corrections.

4. Send an updated copy of my corrected consumer report.

Failure to comply will constitute willful noncompliance under 15 U.S.C. 1681n & 1681o and may result in statutory damages and legal action. 
IV. Verified Information ( to Remain on File ) Full Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Respectfully, ___________________________ XXXX XXXX Consumer / Data Subject under 15 U.S.C. 1681 ( a ) CC : CFPB, FTC, Florida Attorney General

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