Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
I am formally disputing the accuracy and legality of the information contained within my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information you report and to furnish consumer information only with proper authorization. 
1. 15 U.S.C. 1681b Permissible Purposes of Consumer Reports According to 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under certain circumstances, including when the consumer provides written instructions. I have never provided written authorization for you to furnish or obtain my consumer credit report. If you have obtained or disclosed my consumer report without my explicit written consent, this is a direct violation of the FCRA.

2. 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Requirement Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Specifically, this section states : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Failure to comply with this standard means that any inaccurate, incomplete, or unverifiable information appearing in my report is a direct violation of federal law. If any information is incorrect or can not be verified, it must be deleted immediately. 

3. 15 U.S.C. 1681g Full File Disclosure Under 15 U.S.C. 1681g, I am entitled to a full disclosure of all information in my file, including the sources of that information. This section states : Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumers file at the time of the request. 

I am requesting full disclosure of : All information in my credit file. 

The sources of this information. 

The entities that have accessed my credit report. 

4. Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) This case reinforced the responsibility of credit reporting agencies to conduct a reasonable investigation when a consumer disputes an item on their report. The court ruled that credit bureaus can not rely solely on data furnishers but must independently verify disputed information.

Given this precedent, I am requesting that you : Conduct a reasonable investigation of the disputed items.

Provide documentation proving the accuracy and legitimacy of each disputed item.

Remove any unverifiable, inaccurate, or unauthorized information.

Formal Request for Action Based on the violations outlined above, I demand the following actions : 1. Immediate deletion of any and all information that was obtained or furnished without my written consent. 

2. A full disclosure of my file, including all sources of information and inquiry history, per 15 U.S.C. 1681g.

3. A detailed response outlining the steps taken to investigate and verify the disputed information.

4. Removal of any inaccurate, incomplete, or unverifiable information in compliance with 15 U.S.C. 1681e ( b ).

Failure to comply with these legal requirements may result in legal action against your agency for violations of the Fair Credit Reporting Act. Please respond within the legally required 30-day period as stipulated by federal law.

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