Consumer complaint received 2025-09-12 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Request for Removal of Negative Marks and Unauthorized Inquiries from My Credit Report To Whom It May Concern, I am writing to formally submit a complaint under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * *, regarding inaccurate, unverifiable, and potentially fraudulent information currently appearing on my credit reports maintained by Equifax, Experian, and TransUnion.

Grounds for Complaint 1. Unverified Negative Marks & Inquiries Under FCRA 609 ( 15 U.S.C. 1681g ), I have the right to request all information in my credit file and the sources of that information. Negative accounts and inquiries appearing on my credit reports have not been properly verified by the furnishers as required by FCRA 611 ( 15 U.S.C. 1681i ).

Furthermore, FCRA 604 ( 15 U.S.C. 1681b ) strictly limits permissible purposes for credit inquiries. Several inquiries on my reports appear without proper authorization, violating my rights.

2. Accuracy and Responsibility of Credit Bureaus Under FCRA 607 ( 15 U.S.C. 1681e ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information. The inclusion of unverifiable or inaccurate negative marks and inquiries constitutes a direct violation of this standard.

3. Recent Data Breaches The recent data breaches involving Experian ( 20232024 ) and TransUnion ( 2024 ) have further compromised the integrity and security of my personal and financial data. These breaches raise serious concerns that the negative marks and inquiries currently on my report may be the result of identity theft or unauthorized access to my personal information. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumers are entitled to block information resulting from identity theft from appearing on their credit reports.

Requested Action I am requesting that the CFPB : * Direct Equifax, Experian, and TransUnion to conduct a full reinvestigation of all negative marks and inquiries appearing on my credit file, as required by FCRA 611.

* Remove all unverifiable, inaccurate, or unauthorized negative marks and inquiries from my credit reports immediately.

* Provide me with written confirmation of the results of these investigations and any deletions or corrections made.

The Fair Credit Reporting Act was designed to protect consumers like myself from exactly these circumstanceswhere inaccurate, unverifiable, or potentially fraudulent information harms creditworthiness. I am asserting my rights under federal law and requesting swift action to correct these violations.

Thank you for your attention to this matter. I expect a timely response in accordance with CFPB and FCRA guidelines. 

Sincerely, XXXX XXXX -- - Key Laws Cited in the Letter : * FCRA 604 ( XXXX U.S.C. 1681b ) : Permissible purposes of consumer reports.

* FCRA 607 ( 15 U.S.C. 1681e ) : Compliance procedures / accuracy requirement.

* FCRA 609 ( 15 U.S.C. 1681g ) : Disclosure to consumers.

* FCRA 611 ( 15 U.S.C. 1681i ) : Procedure for disputes / reinvestigation.

* FCRA 605B ( 15 U.S.C. 1681c-2 ) : Blocking of information resulting from identity theft.

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