Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX, CA XXXX Date : XX/XX/XXXX TO : Experian Information Solutions , Inc . 
P.O. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Transunion XXXX XXXX FORMAL DEMAND FOR CORRECTION OF INACCURATE REPORTING VIOLATIONS OF FCRA & XXXX ( Account No. XXXX Auto Loan Closed XX/XX/XXXX ) To Whom It May Concern : This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Truth in Lending Act ( TILA ), 15 U.S.C. 1666b, concerning Experians continued misreporting of a fully paid and closed auto loan in my consumer credit file. 

SUMMARY OF ISSUES : Despite final payment on XX/XX/XXXX, and account closure in XX/XX/XXXX, Experian continues to misreport this account with inaccurate and misleading remarks, including : Completed investigation of FCRA dispute consumer disagrees Such language falsely implies an unresolved or disputed debt and directly violates both the spirit and letter of FCRA 1681e ( b ) and 1681i ( a ), which require : Maximum possible accuracy in reporting ; Proper reinvestigation of disputed items ( 1681i ( a ) ( 1 ) ) ; Removal or correction of unverifiable/inaccurate data ( 1681i ( a ) ( 5 ) ) ; Elimination of misleading dispute language when the dispute is complete or lacks proper verification.

In addition, under 15 U.S.C. 1666b, consumer payments must be applied and reflected in reporting within four ( 4 ) business days. Yet over two years later, Experian still displays incomplete or false information. XXXX XXXX XXXX  DATA BREACH : The seriousness of this inaccuracy is heightened by the recent exposure of over XXXX XXXX login credentials across XXXX, XXXX, XXXX, XXXX, and even government accounts. A cybersecurity researcher uncovered an unsecured, public database that contained plaintext passwords and sensitive login information, including access to government portals. 

This breach has placed millions of consumersmyself includedat heightened risk for identity theft and reputational harm. Given this context, continued publication of inaccurate credit information compounds the exposure risk, violates FCRAs duty of care, and opens Experian to further scrutiny under evolving federal oversight. 

LEGAL FOUNDATION : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) affirms that CRAs must conduct independent investigations and can not rely solely on furnishers. 
CFPB v. Experian ( XXXX, XXXX XXXX. XXXX ) specifically alleges repeated failure to correct known errors, flawed internal procedures, and misleading notations, in direct alignment with the conduct described here. 
XXXX XXXX. XXXX and XXXX of the XXXX XXXX XXXX XXXX authorizes penalties for unfair, deceptive, or abusive acts or practices ( UDAAPs ). 
DEMAND FOR RELIEF ( RESPONSE REQUIRED WITHIN XXXX [ XXXX ] CALENDAR DAYS ) : You are hereby instructed to : Remove all misleading remarks, including consumer disagrees, from the above-referenced account ; Update the balance to {$0.00} and mark the loan clearly as Paid in Full and Closed ; Produce documentation showing all communications with the furnisher and steps taken during your reinvestigation ; Delete all unverifiable or inaccurate information in compliance with 15 U.S.C. 1681i ( a ) ( 5 ).

Failure to comply will result in formal complaints being filed immediately with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney General And pursuit of all remedies available under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
This notice is made in good faith and with full reservation of rights under state and federal law. 

Sincerely, XXXX 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