Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS XXXX : XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Why Have you not fixed this issue To Whom It XXXX Concern : This letter serves as my formal dispute regarding the unauthorized and unjustifiable reinsertion of inaccurate and incomplete information on my credit report. This information had previously be en removed due to its inaccuracy, yet it has been reinserted without proper justification, in blatant violation of the Fair Credit Reporting Act ( FCRA ) under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ). 
The fact that this reinsertion occurred without my notification or evidence of proper certification from the furnisher is an egregious violation of federal law. This misconduct reflects a failure to comply with procedural safeguards mandated by the FCRA and demonstrates gross negligence in handling consumer disputes. 
Accounts in Dispute XXXX XXXX. XXXX ( b ) Duty to Ensure Maximum Accuracy XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX XXXX CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX  Account number XXXX Please remove it from my credit report. 
XXXX XXXX CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  OF XXXX/XXXX  Account number XXXX Please remove it from my credit report. 
XXXX XXXX CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX Account number XXXX Please remove it from my credit report. 
XXXX XXXX CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX  XXXX Account number XXXX Please remove it from my credit report. 
Oh by the way I hope you understand that the FCRA XXXX in the section below Adverse Action Notice : I also want to bring to your attention that the continued reporting of this unvalidated debt has had a significant adverse impact on my life. I was recently denied credit when applying for a job, as the employer conducts a XXXX  check as part of their hiring process. The adverse information you reported contributed directly to my disqualification. This constitutes an adverse action under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 
The denial of employment due to this unverified and potentially inaccurate information is not only distressing but XXXX also be unlawful if the debt is not properly validated. As a result, I am requesting that you immediately investigate this matter and cease all collection activities until you can provide proper validation. 
Relevant Case Law Supporting My Request : XXXX. XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) This case affirms the requirement that a debt collector must provide validation of the debt upon request and must cease collection efforts until proper validation is provided. 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) In this case, the court ruled that if a debt collector fails to validate a debt as requested, they can not continue to pursue collection activities. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case highlights the necessity for a debt collector to provide accurate and complete information about the debt in question when validation is requested. 
Failure to comply with my request XXXX constitute a violation of both the FDCPA and FCRA, and I reserve the right to pursue legal remedies to protect my rights. Please respond to this request within XXXX  days, as required by law. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( g ), I am formally requesting validation of this debt. 
According to the FDCPA, I am entitled to request and obtain verification of any alleged debt that a debt collector claims I owe. Specifically, I request : XXXX. Proof that your company is legally entitled to collect this debt. This includes any contracts, agreements, or assignments that show that you have the authority to collect on this debt. 
XXXX. Detailed accounting of the alleged debt, including a breakdown of the amount you claim I owe and how it was calculated. 
XXXX. Proof that I am the correct debtor. This includes any signed agreements or contracts that bear my signature and that demonstrate my legal obligation to pay this debt. 
If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you to remove these items from my file. 
Please note XXXX sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these items, I will be referring this matter to my attorney for further action. Please do not make this a litigious matter... 
Lastly, you have XXXX  days to complete this investigation, as per Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Sincerely, 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