Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I am formally disputing multiple inaccurate, unverifiable, incomplete, untimely, and non-compliant entries currently appearing on my credit file. These derogatory items violate multiple federal reporting standards, consumer protection laws, and your legal obligations as a data furnisher and reporting agency. 

You are hereby notified that these accounts, inquiries, collections, and personal identifiers lack physical verified documentation proving : Ownership Responsibility Legal authorization Complete XXXX XXXX compliance Full accuracy, truthfulness, and timeliness as required under federal law YOUR FAILURES INCLUDE VIOLATIONS OF : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ), 1681i, 1681n, 1681o XXXX XXXX Reporting Standards, XXXX CDIA CRRG Consumer protection regulations prohibiting willful negligence, failure to investigate, and continued reporting of unverifiable data. 

DEMAND FOR PERMISSIBLE PURPOSE & EVIDENCE You are reporting inquiries and accounts for which you have failed to provide any lawful permissible purpose under FCRA 1681b ( a ). I demand all physical, certified documents demonstrating my direct written authorization for these inquiries and accounts. Absent such proof, these entries constitute unauthorized access and are considered unlawful. 

ITEMS IN DISPUTE Inquiries Challenged : XXXXXXXX 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 & FCRA COMPLIANCE DEMAND Under XXXX XXXX data reporting standards, failure to fully verify, validate, and certify every field of information in accordance with the CRRG guidelines is a violation of your data reporting obligations. Any deviation jeopardizes data integrity and violates 15 U.S.C. 1681e ( b ). You are required to maintain the maximum possible accuracy, and your continued reporting of unverifiable or incorrect data is a willful noncompliance subject to civil liability under 15 U.S.C. 1681n.

You have 20 calendar days from receipt of this notice to : Permanently DELETE all the inaccurate, unverifiable, and non-compliant items listed above.

Provide physical, certified evidence validating full compliance for each item.

Issue an updated credit report reflecting full deletion and correction.

Failure to comply will constitute willful noncompliance, reckless disregard of my consumer rights, and deliberate violation of federal law, opening you up to maximum statutory and actual damages, plus attorneys fees under 15 U.S.C. 1681n and 1681o. Continued reporting without valid investigati
on will also be deemed harassment and potential extortion subject to additional legal action.

This is your FINAL 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