Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
Let me be VERY clear I am tired of your blatant violations of my rights under federal law. This is my SECOND and FINAL written demand regarding the inaccurate, unverifiable, and ILLEGALLY reported account ( XXXX ) listed below : Account Name : KIKOFF LENDING LLC, Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately Despite prior notice, you have continued to allow the reporting of this harmful and false information on my credit profile a reckless violation of my consumer rights. 
You are now in violation of the following : FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of information furnished about me. information furnished about me. 

15 U.S.C. 1681i : Failure to conduct a lawful reinvestigation within the required timeframe.

15 U.S.C. 1681s-2 : Willful reporting of information you KNOW to be false or unverifiable.

FDCPA Violations : 15 U.S.C. 1692e : Use of deceptive and misleading reporting practices.

15 U.S.C. 1692f : Engaging in unfair and unconscionable collection activities through the continuation of false credit reporting. 

XXXX of XXXX UCC Violations : UCC 3-305 & 1-103 ( a ) : Reporting debts WITHOUT possession of verifiable, original contractual agreements constitutes constructive fraud. 

Case Law Precedent Supporting My Claims : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : You are REQUIRED to conduct an independent and reasonable investigation not simply parrot creditor claims. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 
XXXX ) : Failure to DELETE inaccurate information after being properly notified is a direct violation of FCRA. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : XXXX to report inaccurate data following consumer dispute constitutes willful noncompliance, leaving you fully liable under law. 

FINAL DEMAND NO EXCEPTIONS : I DEMAND the IMMEDIATE and PERMANENT DELETION of the above-referenced account ( XXXX ) from my credit report. 
I further DEMAND that you provide : XXXX. A written statement of DELETION within XXXX business days from receipt of this letter. 
Copies of ALL original signed contracts for the above account ( XXXX ) OR confirmation that such documents DO NOT EXIST. 
XXXX. 
XXXX. Full disclosure of the exact method of verification used in your reinvestigation. 
NOTICE OF IMMEDIATE LEGAL ACTION : Your failure to comply will result in the following, WITHOUT FURTHER NOTICE : I will pursue civil litigation seeking XXXX XXXX per violation under 15 U.S.C. 1681n and 15 U.S.C. 1681o, along with actual and punitive damages, and recovery of legal fees. 

Formal complaints will be filed IMMEDIATELY with the CFPB, FTC, and State Attorney General in your jurisdiction. 

I will escalate this matter to national media outlets and consumer watchdog organizations to expose your continued abuse of consumers.

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