Consumer complaint received 2025-07-28 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: AZ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was in the process of applying for new employment and housing when I discovered that there is inaccurate information being reported on my credit report. After reviewing a copy of my report, I was shocked to see multiple items that are not correct.

Recently, I was denied employment, and the employer specifically stated that my credit report was the reason for their decision. I was advised by a legal professional that this constitutes an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, Section 603 ( k ) ( 1 ) ( B ) ( ii ). This is deeply troubling and raises serious concerns about the accuracy and legality of the information being reported. 
My Request : I am requesting that the following accounts be thoroughly reviewed and updated to reflect the correct amounts, dates, statuses, open and closed dates, and last activity dates.

Additionally, I want to make it very clear that I was never late on these accounts. Any reported late payments are false. Please update these accounts to reflect an on-time payment history and mark them as Pays as Agreed.

Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXX  ACCOUNT NUMBER # XXXX Please remove it from my credit report. 
15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX XXXX ACCOUNT NUMBER # XXXX Please remove it from my credit report. 
15 U.S. CODE 1692K - CIVIL LIABILITY XXXX XXXX XXXX ACCOUNT NUMBER # XXXX Please remove it from my credit report. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX ACCOUNT NUMBER # XXXX Please remove it from my credit report. 
There is some inaccurate information reporting. 
XXXX XXXX ACCOUNT NUMBER # XXXX Please remove it from my credit report. 
XXXX XXXX ACCOUNT NUMBER # XXXX Please remove it from my credit report.

15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX ACCOUNT NUMBER XXXX Please remove it from my credit report. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXXXXXX ACCOUNT NUMBER # XXXX Please remove it from my credit report.

If you can not verify the accuracy of these accounts with proper documentation, I request that they be deleted immediately from my credit report.

I have enclosed supporting evidence to show these inaccuracies. Please conduct a thorough investigation.

Adverse Action & Legal Basis : The continued reporting of unverified and inaccurate information has had a significant adverse impact on my life. Being denied employment due to this inaccurate credit reporting clearly qualifies as an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 
1681m and may constitute a violation of my rights.

Relevant Case Law : Chauncey v. JDR Recovery Inc., 118 F.3d 516 ( 7th Cir. XXXX ) Requires debt validation before continued reporting or collection. 
Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. XXXX ) Unvalidated debts can not be pursued or reported. 
Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. XXXX ) Debt collectors must provide accurate and complete information when validation is requested.

My Request for Validation ( FDCPA ) : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting : Proof that your company is legally entitled to collect this debt ( assignment, agreement, or contract ). 
A detailed accounting of the alleged balance and how it was calculated. 
Proof that I am the correct debtor, including any signed agreements or contracts bearing my signature. 
If you can not provide proper documentation, these accounts must be immediately removed from my credit report. 
Response Timeline & Method of Verification : This letter is being sent via certified mail to protect my rights. As required under FCRA Section 611 ( a ) ( 1 ) ( A ), you have 30 days to investigate and respond. I also request that you provide a detailed Method of Verification for any findings. I do not consent to E-OSCAR or any automated verification methods I expect a full manual review.

Failure to comply may constitute violations of the FCRA and FDCPA, and I reserve the right to pursue all available legal remedies.

Thank you for your prompt attention to this matter. 
Since rely, 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