Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am writing to dispute the inaccurate information in my credit report obtained by Experian. I am sending this letter demanding that you enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 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. 6802 ), I have an essential right to privacy regarding my financial information. Also, 15 U.S.C. 1681 ( a ) ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 U.S.C. 1681b ( 2 ), 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, 18 U.S.C. 1028A 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. 1681c-2, 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, 18 U.S.C. 1028A, and 15 U.S.C. 1681c-2 to fix any issues related to identity theft.

Please provide me with a written response to this dispute within 30 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 Account Number : XXXXXXXX XXXX XXXX  Violations of 15 U.S.C. 1681s-2 for reporting inaccurate and unverifiable information. The account is marked Closed, yet Experian still reports it as Collection/Chargeoff with a balance of {$14000.00} and derogatory status. These contradictions are misleading, incomplete, and unlawful. 
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