Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by Experian. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for Experian to maintain a credit report on my behalf.

Experian has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information.

The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime. 
The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I am expecting Experian to take all necessary action to correct and block this information as ordered by law. 
l from now on request a formal investigation into my dispute and the removal of any incorrect information from Experian 's records if it is determined that no permissible purpose exists for maintaining this information. I expect Experian to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft.

Please provide me with a written response to this dispute within 30 days, with detail on any action taken to correct the inaccuracies on my credit report, along with the results of your investigation, If my report is not corrected or removed in accordance with the law, I will take legal action.

Under the Fair Credit Reporting Act ( FCRA ) specifically 15 USC 1681i, you are required to show me the procedures you used to verify this information on my credit report. If you can not verify the accuracy, the information must be deleted from my credit report as soon as possible. 
The following unauthorized items need to be deleted from my file immediately 1. The inquiry was not authorized XXXX XXXX XXXXXX/XX/year>

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