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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute, Demand for Method of Verification, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following accounts and inquiries reported on my Experian credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into the information listed below. Additionally, I demand the method of verification, a full description of the procedure used to verify the accuracy of the disputed information, and supporting documentation.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to the following : A detailed explanation of the verification process used for each disputed item. 
All relevant documentation substantiating the accuracy of the disputed items, including evidence that the accounts and inquiries belong to me. 
An immediate block or removal of any item that can not be verified within 15 days of receipt of this letter. 
Accounts to Be Validated and Addressed 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to Be Removed : The following inquiries were unauthorized and must be removed immediately : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Specific Requests : For each account and inquiry listed above : Provide the method of verification used to validate the accuracy of the information.

Provide a complete description of the procedure followed during your investigation.

Provide all documentation used to substantiate the reporting, including proof of ownership of the accounts and inquiries.

Cease-and-Desist Notice This letter also serves as a formal cease-and-desist notice. I demand that Experian immediately stop reporting or communicating about any accounts or inquiries that can not be substantiated. Failure to comply will result in further legal action.

Legal Notice and Threat of Litigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), failure to conduct a reasonable investigation, provide documentation, or remove unverifiable information constitutes a violation of federal law. Should you fail to comply with this request, I will pursue legal action for : Statutory Damages : {$1000.00} per violation under 15 U.S.C. 1681n ( a ).

Actual Damages : For emotional distress, harm to my credit, and loss of credit opportunities.

Punitive Damages : For willful noncompliance with the FCRA.

Attorneys Fees and Costs : For legal action required to enforce my rights.

Additionally, reporting inaccurate or unverifiable information is considered defamation of character, further exposing Experian to legal liability.

I expect your written response and all requested documentation within 15 days of receipt of this letter. Failure to respond or comply will result in immediate legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX 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