Consumer complaint received 2025-04-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date of Birth : XX/XX/XXXX SS # XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was in the process of applying for new employment and housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX Account number # XXXX * * Please remove it from my credit report. 
XXXX Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX XXXX XXXX Account number # XXXX * Please remove it from my credit report. 
Delete this account. 
Oh by the way I hope you understand that the FCRA states in the section below Adverse Action Notice : I also want to bring to your attention that the continued reporting of this unvalidated debt has had a significant adverse impact on my life. I was recently denied credit when applying for a job, as the employer conducts a credit check as part of their hiring process. The adverse information you reported contributed directly to my disqualification. This constitutes an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m.

The denial of employment due to this unverified and potentially inaccurate information is not only distressing but may also be unlawful if the debt is not properly validated. As a result, I am requesting that you immediately investigate this matter and cease all collection activities until you can provide proper validation. 
Relevant Case Law Supporting My Request : 1. Chauncey v. JDR Recovery Inc., 118 F.3d 516 ( 7th Cir. 1997 ) This case affirms the requirement that a debt collector must provide validation of the debt upon request and must cease collection efforts until proper validation is provided.

2. Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) In this case, the court ruled that if a debt collector fails to validate a debt as requested, they can not continue to pursue collection activities. 
XXXX. Clark v. Capital Credit & Collection Services , Inc., 4 60 F.3d 1162 ( 9th Cir. 2006 ) This case highlights the necessity for a debt collector to provide accurate and complete information about the debt in question when validation is requested. 
Failure to comply with my request may constitute a violation of both the FDCPA and FCRA, and I reserve the right to pursue legal remedies to protect my rights. Please respond to this request within 30 days, as required by law.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692 ( g ), I am formally requesting validation of this debt. 
According to the FDCPA, I am entitled to request and obtain verification of any alleged debt that a debt collector claims I owe. Specifically, I request : 1. Proof that your company is legally entitled to collect this debt. This includes any contracts, agreements, or assignments that show that you have the authority to collect on this debt.

2. Detailed accounting of the alleged debt, including a breakdown of the amount you claim I owe and how it was calculated.

3. Proof that I am the correct debtor. This includes any signed agreements or contracts that bear my signature and that demonstrate my legal obligation to pay this debt.

If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you to remove these items from my file.

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. 
If you choose to ignore my request to block these items, I will be referring this matter to my attorney for further action. Please do not make this a litigious matter...

Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Sincerely 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