Consumer complaint received 2025-01-16 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: MI

Complaint narrative:
I am filing this complaint against Experian for reporting inaccurate and unverifiable derogatory accounts on my credit report in violation of federal laws and my constitutional rights. The following accounts have been improperly reported : 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 These accounts contain inaccuracies, and Experian has failed to follow reasonable procedures to ensure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). Despite my several prior disputes, these accounts remain on my credit report without proper verification.

Violations 1. Violation of 15 U.S.C. 1681e ( b ) - Maximum Possible Accuracy Experian is obligated to follow reasonable procedures to ensure the information it reports is accurate. By continuing to report unverifiable derogatory items, it has failed to meet this standard.

2. Violation of 15 U.S.C. 1681i - Failure to Investigate Upon receiving my dispute, Experian was required to investigate and verify the accuracy of the information within 30 days. To date, no evidence has been provided to substantiate these accounts, and they remain on my credit report.

3. Charge-Offs Misclassified as Active Debts Under IRS Code Section 61 ( a ) ( 12 ), charge-offs are treated as taxable income once forgiven or canceled. If a 1099-C form was issued, these accounts should no longer be reported as active debts. Continuing to report them misrepresents their financial status.

4. Violation of 15 U.S.C. 6802 - Protection of Nonpublic Personal Information No proper notice or opportunity to opt out was provided before reporting my personal financial information to third parties. This violates my rights under the Gramm-Leach-Bliley Act.

5. Potential Fraudulent Reporting ( 18 U.S.C. 1028A ) If these accounts were added without proper verification, this may constitute fraudulent reporting and unauthorized use of personal identifying information under federal identity theft laws.

6. Violation of Privacy Rights - Privacy Act of 1974 ( 5 U.S.C. 552a ) Experian disclosed my financial data without my explicit, written consent, breaching federal privacy protections.

7. Constitutional Violation ( 14th Amendment ) The 14th Amendment guarantees due process and equal protection. Reporting inaccurate and unverifiable information deprives me of my property ( creditworthiness ) without due process, creating financial harm and discrimination. 

The inaccurate reporting of these accounts has caused irreparable harm, including : Denial of credit and increased interest rates.

Emotional distress and reputational damage.

Financial losses due to missed opportunities for better credit terms.

Requested Resolution 1. Immediate investigation and removal of the disputed accounts.

2. Written confirmation that the accounts have been deleted from my credit file.

3. Notification to all third parties who accessed my credit report about these corrections.

4. Full compliance with all applicable laws, including : FCRA ( 15 U.S.C. 1681e and 1681i ) Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) Privacy Act of 1974 ( 5 U.S.C. 552a ) I request the immediate removal of these derogatory accounts from my credit report and confirmation of compliance with the above laws to prevent further harm. Should this issue remain unresolved, I reserve the right to pursue all available legal remedies, including litigation. 

Attachments : Latest Dispute Letter Affidavit Of Negative Averment Fee Schedule of Violations Notice and Demand

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