Consumer complaint received 2025-04-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX XXXX : Formal Dispute of XXXX XXXX XXXX Late Payments Re : Violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) Dear Experian, I am writing to formally dispute inaccurate and potentially unlawfully reported information currently listed on my Experian credit report. Specifically, this dispute concerns late payments allegedly reported by XXXX XXXX XXXX Account Number XXXX. 
Per 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report must be based on information furnished by a person who has a permissible purpose under the Fair Credit Reporting Act ( FCRA ), and the information must be accurate and verifiable. I believe the late payments reported are either : Inaccurate Not verified by XXXX XXXX XXXX in compliance with FCRA requirements Or possibly reported without proper permissible purpose I am requesting that you initiate an investigation pursuant to 15 U.S. Code 1681i ( a ) and provide me with : XXXX. XXXX. Removal of the late payments from my credit report if they can not be verified or found to be inaccurate or misreported. 
FCRA Section 611 ( a ) ( I ) ( B ) : Mandates that if the information is found to be inaccurate or can not be verified, the agency must remove the inaccuracies. 
Please find enclosed copies of my XXXX payment ledger from XXXX XXXX XXXX, stating that my account has never been reported late. 
The inaccurate reporting must be corrected immediately. I request that immediately correct the late payments on my credit report. If this matter is not resolved promptly, I will seek legal remedies including a claim for damages up to {$1000.00} as permitted under the FCRA for violations of the law. 
I respectfully demand the late payments to be removed from my credit file immediately under the FCRA. 
This letter is formally written by myself, XXXX XXXX, not by a third party or a representative. 
Sincerely, XXXX XXXX XXXX : ( XXXX ) XXXX Email : XXXX Enclosures : Copy of my XXXX  ID XXXX XXXX Social Security XXXX XXXX bill XXXX Payment Ledger CFPB Report FTC XXXX Report XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : ( XXXX ) XXXX email : XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject XXXX Identity Theft Report and Request for Fraudulent Account Removal Pursuant to FCRA 605B Dear XXXX Dispute Department , I am writing to formally dispute and request the immediate removal of fraudulent accounts appearing on my consumer credit report, as they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am submitting this FTC Identity Theft Affidavit as supporting documentation for my claim. 
I have identified XXXX separate fraudulent accounts on my Experian credit report that I do not recognize, nor did I authorize their opening. These accounts are as follows : XXXX. XXXX XXXX XXXX Account number : XXXX ( Opened : XX/XX/XXXX ) These accounts were fraudulently opened in my name without my knowledge or consent. 
Additionally, I have also filed a CFPB complaint requesting that, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), XXXX block this fraudulent information appearing on my consumer credit report within XXXX ( XXXX ) business days of receiving this complaint. 
Fair Resolution Request I formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block all the fraudulent accounts, collections, and hard inquiries identified in my CFPB complaint from my consumer credit file within XXXX ( XXXX ) business days of receipt. 
Additionally, I request that all written confirmation regarding this CFPB complaint be sent to me via email at XXXX. 
Enclosed Supporting Documents Copy of my government-issued ID ( Drivers License/State ID ) Copy of a recent utility bill or bank statement for address verification FTC Identity Theft Affidavit Copy of a CFPB Complaint Proof of Data Breach I request written confirmation of the removal and blocking of these accounts within XXXX business days of receipt of this dispute, as required by federal law. Please send all correspondence regarding this matter to my email and mailing address listed above. 
This letter is formally written by myself, XXXX XXXX, not by a third party or a representative. 
Thank you for your immediate attention to this matter. 




Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : ( XXXX ) XXXX email : 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