Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
Excuse me, I believe I have the right to dispute any inaccurate information on my credit report, as stated by the Fair Credit Reporting Act ( FCRA ). I take the accuracy of my credit report very seriously and would appreciate your assistance in rectifying any errors. 

I understand that creditors are required to document and validate the information included in my credit report before using it. I am confident that the allegations of delinquency and derogatoriness against me are false, and I am requesting evidence that supports the negative status of my accounts. I kindly ask that you include proof of a permissible purpose for the inquiry or account listed in my report.

May I request that you address this matter as soon as possible? If not rectified within 30 days from the delivery date, there may be serious consequences, and I would prefer to avoid any intervention or escalation. Thank you for your prompt attention to this matter. 

Listed below are the accounts that are being challenged : XXXX Acct # : XXXX This collection account is fraudulent and inaccurate. My personal data was compromised in both the Equifax and National Public data breaches, which led to unauthorized accounts being reported. You have no valid documentation or legal proof of this debt. Under 15 U.S.C. 1681b and 15 U.S.C. 1692g, you are required to provide verified evidence of my liabilityand you have failed to do so. This issue is under active investigation. DELETE THIS ACCOUNT IMMEDIATELY. 

I am writing to express my profound disappointment regarding the current status of the information associated with XXXX and Acct # : XXXX within your database. It has come to my attention that the data is not up to date and fails to adhere to the minimum standards of accuracy. I feel compelled to bring this matter to your immediate attention, as the presence of incorrect and incomplete information within your database and on my credit report is both unacceptable and incongruous. 

In light of these concerns, I respectfully request that you take immediate action to rectify this situation. Failure to do so in a timely manner may leave me with no alternative but to explore legal remedies. I firmly believe that data integrity is paramount, and as such, I kindly ask for the expeditious deletion of the inaccurate information from your database.

I would also like to kindly bring to your attention that the personal information I have provided is the most up-to-date and accurate in accordance with the FCRA and Metro 2 compliance reporting standards. In case there is a mismatch with the information you have on file, it could indicate an error in your records or from the sources you use for verification purposes. I am aware that precision is vital in maintaining accuracy when dealing with transactions such as mine. 

Therefore, I respectfully request that you remove any personal information on file that does not match the details I have listed above. Additionally, I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681i ) and Metro 2 compliance criteria. As per the regulations, my credit profile must be accurate and comprehensive. It would be greatly appreciated if you could promptly verify and confirm all of the information in my credit report within a reasonable time frame. 

I have noticed that my credit history, as well as certain pieces of information, have never been validated or correctly reported. In light of this, I would like to exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. Moreover, I request that any mistakes be permanently corrected immediately. 

I kindly ask that you investigate the origins of each account and confirm that each creditor has a legitimate basis for all inquiries on my credit record. 

Listed below is the personal information that is being challenged : Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Employers : XXXX XXXXXXXX XXXX XXXXl XXXX  XXXX XXXX Any personal information, including names, addresses, dates of birth, Social Security numbers, or any other data that appears in your records and does not match the information on the attached documents was not provided by me and should not be maintained or reported. This data is unauthorized, and you are required to delete it immediately or provide legal documentation proving you have the authority to maintain and report such information. 

I am writing to bring to your attention an issue related to my account. I would like to request that you kindly update your records to reflect that my sole and current address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX It is imperative that my account information is kept up to date and accurate. I trust that you will take the necessary measures to ensure this. I would greatly appreciate your prompt attention to this matter, and I thank you in advance for your cooperation. Please do not hesitate to contact me if you require any further information.

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge according to the FCRA and the accepted standard of Metro 2 data field reporting. The alleged delinquencies and inquiries lack factual proof. I request accurate reporting of allegations and avoidance of unlawful claims. Please provide verifiable evidence of the accounts existence and permissible use. If such evidence is absent, I expect the removal of the account from my report. Kindly send physical documentation of your actions and an updated credit report. 

Additional Personal Information Challenge : Employer : A National Limousine As stated above, any personal information that does not match the attached documentation must be deleted unless you can provide legal justification for retaining it. 

I am writing to request that you promptly update your records, as they contain inaccurate information that falls below the minimum standard for accuracy. I understand that mistakes can happen, but the presence of inaccurate data on my account is a serious concern that must be addressed immediately. 

I want to remind you that, absent legal authority or a written agreement between us, you can not force me to conduct any business interactions with you. If you elect to harm meeven to the slightest degreeit will be regarded as harassment or potentially willful extortion, which may constitute a criminal offense in my state of residence. Any such behavior will lead me to take the appropriate action. I urge you to immediately rectify the inaccurate and misleading information on my consumer credit profile.

Please acknowledge receipt of this letter and notify me of your actions
regarding the removal of the delinquently reported item ( s ) within 20 days of receipt of this notice. 

Collections Being Challenged : XXXX. XXXX Acct # : XXXX XXXX XXXX XXXX  # : XXXX Both accounts are fraudulent and inaccurate. My personal data was compromised during the Equifax and National Public data breaches, resulting in unauthorized accounts. You have failed to provide documentation proving the validity of these debts. These issues are under active investigation. DELETE THESE ACCOUNTS IMMEDIATELY. 
I understand that you may be using form letters to respond to disputes and challenges submitted by consumers without addressing each individually. This practice is illegal. You are required to comply with 15 U.S.C. 1681i. Additionally, you may not delay the processing of letters based on assumptions about third-party involvement. I confirm that all letters submitted under my name were written by me or my advisors with my full knowledge and consent. There is no legal requirement for a Power of Attorney for you to process them. 

Failure to process my letters in a timely and thorough manner will be seen as a deliberate violation of my consumer rights, and I will pursue legal recourse with the assistance of legal counsel if necessary.

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