Consumer complaint received 2025-07-08 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:
I am formally disputing all inaccurate, unverifiable, or non-compliant information currently appearing on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). You are legally required to maintain only fully validated and documented data in a consumer 's file. If you can not prove that every item was lawfully reported, you are already in violation.

I categorically reject all derogatory and delinquent claims reported against me. These entries are false, misleading, and damaging. You are required under federal law and Metro 2 compliance standards to ensure 100 % accuracy in reporting. Anything less is unlawful. 

I am demanding full evidenceoriginal documentation, contracts with my signature, and proof of permissible purposefor the accounts and inquiries listed below. You have 30 days to conduct a full reinvestigation and permanently DELETE anything that fails to meet legal standards. 

You are to mail me physical proof of your findings and an updated copy of my credit report. If you fail to provide verified, legally admissible proof, I demand the immediate and permanent deletion of every disputed item. 

The following personal information is being challenged and must be corrected or deleted : Previous Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Employer : XXXX Under FCRA 604 ( 15 U.S.C. 1681b ), no inquiry or account can be listed on my report without my explicit consent and a valid permissible purpose. I am formally disputing accounts that appear to be unauthorized or fraudulent. You must provide direct evidence bearing my physical or electronic signature. If you cant, this is a clear violation of federal law. 

I did not authorize these accounts. I contacted the original furnishers, and they could not produce validation or documentation. That means your continued reporting is unlawful. 

Collections being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have serious doubts that you can meet the legal burden of proof required to justify the continued reporting of these items. If you fail to comply, I will pursue statutory damages of no less than {$1000.00} per violation, and based on the current file, there are multiple violations already evident. 

Unless your response confirms the full deletion of these disputed accounts and inquiries, I will treat your inaction as willful non-compliance. At that point, legal action becomes inevitable. I am fully prepared to escalate this matter to civil litigationand if harm is caused, criminal charges may also be considered. 

You are now on legal notice.

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