Consumer complaint received 2025-08-10 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: VA

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXAttn: Customer Relations DepartmentXXXX XXXX XXXXo Whom It May ConcernXXXX am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I\nwould like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.\nFurthermore, In accordance with The Fair Credit Reporting Act, Public law 91 -506, Title VI, Section 611, Subsection A-D,\nplease provide the names and business addresses of each individual with whom you verified the above, so that I may follow\nup.\nDEPT OF EDUCATION XXXX ACCOUNT XXXX I DEMAND REMOVAL OF THIS ACCOUNTS LATE\nPAYMENT IT DO NOT COMPLY WITH FCRA AN XXXX XXXX COMPLIANCE. THIS ACCOUNT IS IN FULL\nVIOLATION OF MY RIGHTS TO PRIVACY. THIS ACCOUNT HAS SEVERAL ACCOUNTS REPORTING\nINACCURATE DATA REMOVE EACH AN EVERY ACCOUNT UNDER THIS ACCOUNT XXXX XXXX XXXX ACCOUNTXXXX I DEMAND REMOVAL OF THIS ACCOUNT IT DO NOT\nCOMPLY WITH FCRA AN XXXX XXXX COMPLIANCE. THIS ACCOUNT IS IN FULL VIOLATION OF MY RIGHTS TO\nPRIVACYXXXX XXXX XXXX XXXX ACCOUNTXXXX  I DEMAND REMOVAL OF THIS ACCOUNT LATE PAYMENTXXXX XXXX XXXX ACCOUNT XXXX I DEMAND REMOVAL OF THIS ACCOUNT IT DO NOT\nCOMPLY WITH FCRA AN XXXX XXXX  COMPLIANCE. THIS ACCOUNT IS IN FULL VIOLATION OF MY RIGHTS TO\nPRIVACY.\XXXX XXXX ACCOUNT XXXX  I DEMAND REMOVAL OF THIS ACCOUNT IT DO NOT COMPLY\nWITH FCRA AN XXXX XXXX COMPLIANCE. THIS ACCOUNT IS IN FULL VIOLATION OF MY RIGHTS TO PRIVACYXXXX XXXX XXXX XXXX ACCOUNT XXXX I DEMAND REMOVAL OF THIS ACCOUNT IT DO NOT\nCOMPLY WITH FCRA AN XXXX XXXX  COMPLIANCE. THIS ACCOUNT IS IN FULL VIOLATION OF MY RIGHTS TO\nPRIVACYXXXX XXXX XXXX XXXX ACCOUNTXXXX I DEMAND REMOVAL OF THIS ACCOUNT IT DO NOT COMPLY\nWITH FCRA AN XXXX XXXX COMPLIANCE. THIS ACCOUNT IS IN FULL VIOLATION OF MY RIGHTS TO PRIVACY.\nFCRA AN XXXX XXXX COMPLIANCE. THIS ACCOUNT IS IN FULL VIOLATION OF MY RIGHTS TO PRIVACY.\nTHESE accounts were impacted by several data breaches that resulted in changing of my account\nhistory i demand full compliance according the FCRA.\nI request pursuant to FCRA subsection 605b (15 U.S.C 1681 c - 2) that you credit reporting agency, block\ninformation appearing on my consumer credit report that is result of several data breach within 4\nbusiness days of you receiving the accounts above.\nRE: Dispute of Inaccurate Information Under 15 U.S.C.  1666b & FCRA Violations\nI write to you today, not in quietude but with a heart full of fire, because my rights as a consumer have been so\ncarelessly trampled upon. What should be a fortress of accuracy and truth in the reporting of my financial life has\nbeen corrupted by errors that are glaring, and a violation of the protection I am aorded under the\nlaw. I speak of both the Fair Credit Billing Act under 15 U.S.C.  1666b and the Fair Credit Reporting Act\n(FCRA)laws designed to shield me, but in this instance, they have been disregarded like leaves swept away in\na storm.\nYou have failed me with your inaccurate and negligent handling of the accounts above that are listed. This\nmisrepresentation of my credit history has brought about unwarranted harm, both to my reputation and my\nfinancial standing. I have made timely payments and conducted myself responsibly, yet your errors paint a false\npicture that reflects none of this truth.\nUnder 15 U.S.C.  1666b, it is clearly stated that a creditor must adhere to specific timelines when considering a\npayment late, and yet I find myself being penalized unfairly. You have betrayed your duty, and in doing so, you\nhave violated not only the law but the trust I placed in the proper handling of my accounts. The rhythm of my\nfinancial journey has been disrupted by the very institution that is bound to protect me from harm. Moreover,\nyour compliance with the Metro 2 format and FCRA guidelines appears to be nothing more than an empty\npromise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am\nprotected by 15 U.S.C.  1681, and yet, this safeguard has crumbled under the weight of your errors.\nLet me be clear: I am demanding an immediate and thorough investigation into these accounts. Correct the\ninaccuracies on my credit report, remove the false information, and provide me with written confirmation that\nyou have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA\nmandates a timely resolution. Should you fail to uphold your responsibilities, I will not hesitate to pursue legal\naction, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB) and Federal\nTrade Commission (FTC).\nYour disregard for the truth has left a stain upon my financial identity, but rest assured, I will not allow this\ninjustice to stand. I will not be silent in the face of this violation. You have 4 days from the date of this letter to\ncorrect these wrongs and restore my rightful credit standing.\nI look forward to your swift and just resolution of this matter.\nSincerely,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