Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any Affiliated Third-Party Collectors ________________________________________ Re : Accounts Allegedly Owed / Bankruptcy Case No. XXXX This is a request for full validation of debt and an immediate cease and desist demand regarding the above-referenced accounts and inquiries. 
________________________________________ 1. Bankruptcy Discharge Notice Please be advised that I filed XXXX XXXX Bankruptcy, Case Number XXXX, which was duly discharged. Any alleged accounts included in this filing, including but not limited to XXXX XXXX and any debts held or reported by XXXX XXXX or XXXX XXXX XXXX, are permanently discharged and no further collection activity is permitted under 11 U.S.C. 524 ( Bankruptcy Discharge Injunction ).

________________________________________ 2. Debt Validation Demand Pursuant to 15 U.S.C. 1692g of the FDCPA, you are required to provide proper validation of any alleged debt before attempting to collect. This includes : Original signed agreement or contract Full accounting/payment history Proof of legal ownership of the alleged account Evidence that this debt was not included in my XXXX XXXX  discharge Failure to provide proper validation means you must delete all reporting and cease collection immediately. 
________________________________________ 3. Cease and Desist You are hereby notified under 15 U.S.C. 1692c ( c ) that you must cease all communications with me regarding these accounts. Any further contact, except to provide proper validation, will constitute a willful violation of the FDCPA and may be pursued legally.

________________________________________ 4. Credit Reporting & Hard Inquiries I also dispute the unauthorized hard inquiries placed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there is no permissible purpose under 15 U.S.C. 1681b ( FCRA ) for these inquiries, I demand their immediate removal.

________________________________________ 5. Notice of Rights & Enforcement If you fail to comply with this request : I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office.

I will pursue private remedies under 15 U.S.C. 1692k ( FDCPA ) and 15 U.S.C. 1681n/o ( FCRA ) for statutory damages, actual damages, attorneys fees, and costs.

________________________________________ 6. Demand for Deletion All unvalidated, discharged, or unauthorized accounts and inquiries must be deleted from Experian, Equifax, and TransUnion immediately to remain in compliance with federal law. 
________________________________________ Sincerely, 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