Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am writing to dispute the inaccurate information in my credit report obtained by Experian. I am demanding that you enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which requires you to provide me with the procedures used to verify the information in my credit report. 
If you are unable to verify the accuracy of the disputed items, they must be removed from my credit report immediately because they are affecting my financial situation and that of my family. 
Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ), I have an essential right to privacy regarding my financial information. Also, 15 U.S.C. XXXX ( XXXX ) establishes the requirement of maintaining the accuracy and privacy of consumer information. 
No permissible purpose, as shown in 15 U.S.C. XXXX ( XXXX ), has been established for Experian to maintain a credit report on my behalf. Experian has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The presence of this information is a violation of my privacy rights due to the absence of this permissible purpose. 
Additionally, XXXX XXXX. XXXX addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime. The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection. 
Under 15 U.S.C. XXXX, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Experian to take all necessary action to correct and block this information as ordered by law. 
I request a formal investigation into my dispute and the removal of any incorrect information from Experians records if they determine there is no permissible purpose for maintaining this information. I expect Experian to comply with the FCRA, XXXX XXXX. XXXX, and 15 U.S.C. XXXX to fix any issues related to identity theft. 
Please provide me with a written response to this dispute within XXXX days, detailing the results of the investigation along with any action taken to correct the inaccuracies in my credit report. If my report is not corrected or removed in accordance with the aforementioned laws, I will pursue legal action to enforce my rights. 
The following unauthorized item needs to be deleted from my file immediately : XXXX. XXXX XXXX Account Number : XXXX Violations of 15 U.S.C. XXXX for reporting inaccurate and unverifiable information. Account marked Closed yet reported as Collection/Charge-Off with contradictory details. DELETE FROM MY CREDIT REPORT.

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