Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me through the declaration of the rights granted to consumers under the Fair Credit Reporting Act ( FCRA ). 

The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be : Reported with 100 % accurate information ( not 99.9 % or less ), Must be 100 % verifiable ( not 99.9 % or less ), Must be 100 % complete ( not 99.9 % or less ), and Must only be reported during the allowable reporting periods as detailed in the Act for each specific item. 

Please provide proof that the information contained within each of the reported tradelines listed below is in fact 100 % accurate, complete, verifiable, and timely. 

Please reinvestigate the accounts detailed below and ensure the precise facts of each are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and fully compliant with all reporting obligations without exception. 

DISPUTED ACCOUNTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  You have violated 15 U.S. Code 1681b Permissible purposes of consumer reports. 
Under subsection ( a ) ( 2 ) : a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 
I never gave you any written consent to report anything on my consumer report. As a consumer, by law, these accounts listed in this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. 
This letter has also been sent to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and the Federal Trade Commission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Violation : Same as above under 15 U.S.C. 1681b ( a ) ( 2 ). 
I never gave written consent to report this account. Delete this account immediately or face legal action. 
This complaint has also been sent to the CFPB, Attorney Generals Office, XXXX, and FTC. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681b ( a ) ( 2 ) No written consent provided. 
Immediate deletion demanded. Complaint sent to regulatory authorities listed above. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681b ( a ) ( 2 ) No written consent given. 
Immediate deletion demanded. Complaint filed with CFPB, Attorney Generals Office, XXXX, and FTC. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Violation : 15 U.S.C. 1681b ( a ) ( 2 ) Reporting without written consumer authorization. 
XXXX deletion demanded. Complaint submitted to regulatory agencies. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681b ( a ) ( 2 ) Unauthorized reporting. 
Delete immediately or face small claims action. Complaints already filed. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681b ( a ) ( 2 ) Unauthorized use of consumer report. 
Delete immediately ; complaints have been filed. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681b ( a ) ( 2 ) Reporting without authorization. 
Immediate deletion demanded ; complaints filed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681b ( a ) ( 2 ) Unauthorized reporting. 
Immediate deletion required ; complaints filed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Violation : 15 U.S.C. 1681b ( a ) ( 2 ) Unauthorized reporting. 
Immediate deletion required ; complaints filed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681b ( a ) ( 2 ) Unauthorized reporting. 
Immediate deletion required ; complaints filed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Violation : 15 U.S.C. 1681b ( a ) ( 2 ) Unauthorized reporting. 
Immediate deletion required ; complaints filed. 

XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681b ( a ) ( 2 ) Unauthorized reporting. 
Immediate deletion required ; complaints filed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681b ( a ) ( 2 ) Unauthorized reporting. 
Immediate deletion required ; complaints filed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681b ( a ) ( 2 ) Unauthorized reporting. 
Immediate deletion required ; complaints filed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : 15 U.S.C. 1681b ( a ) ( 2 ) Unauthorized reporting. 
Immediate deletion required ; complaints filed. 

If any of the above information can not be physically and legally verified through original source documentation, you are not authorized to continue reporting it. 
You must either delete it immediately or provide certified documentation proving that your reporting is in full compliance with federal law. 

I hereby demand compliance without injury or prejudice toward me now or hereafter. 
This request is lawful and justified. As advised by my counsel, I also request an itemized report confirming that none of these tradelines violate my constitutional or statutory rights. 

The continued reporting of any inaccurate or unverifiable information is causing me severe financial and emotional distress. 
If necessary, I will pursue litigation to protect my rights under : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) The Fair and Accurate Credit Transactions Act ( FACTA ) The Fair Credit Billing Act ( FCBA ) The Racketeer Influenced and Corrupt Organizations Act ( RICO ) The Servicemembers Civil Relief Act ( SCRA ) and any other applicable state or federal law. 

I formally request the immediate deletion of each item that fails to comply with these laws. 

Failure to respond satisfactorily within 30 days of your receipt of this certified letter will result in a small claims court action seeking {$1000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act

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