Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute of Inaccurate, Incomplete, and Unauthorized Credit Reporting To Whom It May Concern, This letter serves as a formal dispute and complaint regarding inaccurate, incomplete, and unauthorized information currently being reported on my consumer credit file by Experian. 

I am disputing the account listed below pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I formally request that you provide written documentation of the methods and procedures used to verify the accuracy of this account, including the name of the furnisher, the date and method of verification, and any underlying contractual documentation relied upon. If you are unable to validate this information with competent evidence, the account must be deleted immediately, as it is unlawfully damaging my credit and financial standing. 

Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I am entitled to financial privacy. The FCRA further requires consumer reporting agencies to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, incomplete, or unverified information constitutes a clear breach of these obligations. 

Furthermore, 15 U.S.C. 1681b ( a ) requires a valid permissible purpose for the reporting and furnishing of consumer information. No such permissible purpose exists for the continued reporting of inaccurate or unauthorized information, making this reporting a direct violation of my privacy rights.

Under 18 U.S.C. 1028A, the misuse of personal identifying information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately.

Lastly, 15 U.S.C. 1681c-2 requires consumer reporting agencies to block any information resulting from identity theft or unauthorized use of personal information. The presence of such information on my credit report is a direct violation of federal law. 

DISPUTED ACCOUNT Charge-Off Account Account Name : XXXX / XXXX Account XXXX : XXXX Violation : 15 U.S.C. 1681s-2 The terms and conditions associated with this account were not clear or conspicuous, and no meaningful opt-out option was disclosed. I did not knowingly authorize the sharing, furnishing, or reporting of my non-public personal information in this manner. The continued reporting of this account constitutes an unlawful transfer of private information and a failure to ensure maximum possible accuracy as required by federal law. 

Action Requested : DELETE FROM CREDIT REPORT FINAL DEMANDS Provide written verification procedures used to validate the disputed account Delete or block all inaccurate, unauthorized, or unverifiable information Send an updated and corrected copy of my credit report Cease all further unauthorized reporting in violation of federal law Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for statutory and actual damages pursuant to 15 U.S.C. 1681n and 1681o. 

Respectfully, 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