Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Formal Dispute of All Adverse Items Appearing on XX/XX/XXXX To the Compliance & Dispute Departments : XXXX. INTRODUCTION I am exercising my statutory right under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., to dispute every derogatory tradeline, collection, past-due indicator, charge-off, late-payment notation, and public-record field appearing on the above-referenced consumer report. I have reason to believe that none of these items meets the FCRAs heightened accuracy standard because they were created, furnished, or refreshed with data that was compromised in the XXXX XXXX Leak ( also referenced in the press as the XXXX XXXX XXXX breach of XXXX ). The breach exposed sensitive personally identifiable information ( PII ) on hundreds of millions of consumers, including my full name, address history, XXXX, and XXXX, thereby facilitating synthetic-identity fraud, account-manipulation, and data-pollution that now infects the consumer-reporting ecosystem. 
XXXX. BASIS FOR DISPUTE XXXX XXXX. XXXX & XXXX a. Section XXXX requires that a person who procures or causes to be procured a consumer report containing adverse information about a consumer must notify the consumer that adverse information is being or has been furnished. None of the furnishers identified in the attached report gave me contemporaneous notice that they were placing or continuing to report adverse data after the XXXX XXXX XXXX became public ( XX/XX/XXXX ). 
b. Section XXXX obliges you to conduct a reasonable investigation to determine whether the disputed information is inaccurate, and to delete the information or modify it, as applicable, within 30 days if it can not be verified as accurate and complete. 
XXXX XXXX XXXX XXXX XXXX reminds furnishers and CRAs that the existence of a known data breach that compromises the integrity of underlying records is a legitimate basis for a consumer to question accuracy and for the CRA to conduct XXXX enhanced reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the Second Circuit ( XXXX XXXX XXXX XXXX XXXX ) confirm that when a CRA XXXX to report information after receiving notice that the datas integrity is compromised, it XXXX willfully or negligently violate the FCRA XXXX 
XXXX. SPECIFIC ITEMS DISPUTED Without conceding legitimacy, I list the adverse items exactly as reported so that you XXXX readily locate them. EACH of these is disputed in its entirety : XXXX Acct XXXX Charged-off {$3800.00} 37 months negative XXXXXXXX XXXX XXXX Acct XXXX Charged-off {$2200.00} 34 months negative XXXX XXXX XXXX  Acct XXXX XXXX {$55.00} 6 months negative XXXX XXXX XXXX Acct XXXX Charged-off {$170.00} 8 months negative XXXX XXXX XXXXXXXX XXXX Acct XXXX Repossession flag XXXX XXXX XXXX XXXX # XXXX Balance {$2100.00} ( XXXX XXXX ) All XXXX, XXXX, XXXX, XXXX late indicators and past due amounts listed under each tradeline. 
Any consumer statement that I did not personally submit. 
XXXX. GROUNDS FOR DELETION / SUPPRESSION a. No furnisher has certified that the data were NOT polluted by the XXXX XXXX XXXX. 
b. At least XXXX furnisher ( XXXX XXXX Associates ) is a debt-buyer whose account-level documentation notoriously relies on the very data fields ( name, address, SSN ) exposed in the breach. 
XXXX XXXX XXXX XXXX XXXX XXXX both XXXX ( XXXX XXXX and Experian ( XXXX ) require enhanced verification when a consumer alleges breach-related identity confusion. 
d. The burden is on you and the furnishers to prove the continued accuracy of every data field ( balance, date-opened, payment history, ownership, etc. ) after a breach that facilitated synthetic identities. Absent such proof, continued reporting is inherently inaccurate and incomplete under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) & ( a ) ( XXXX ). 
XXXX. REQUESTED RELIEF Delete or suppress every tradeline, collection, and derogatory indicator listed above. Provide me written confirmation within XXXX ( XXXX ) business days of completion. If you verify any item, furnish me : ( i ) the name, address, and telephone number of each person who verified the information ; ( ii ) the complete business records, including digital audit trails, showing the chain of title and the controls used to ensure the data were not corrupted by the XXXX XXXX XXXX; and ( iii ) a copy of the written certification required by XXXX XXXX. XXXX ( a ) ( XXXX ) ( C ). 
XXXX. NOTICE OF PRIVATE RIGHT OF ACTION Failure to comply within XXXX ( XXXX ) days will force me to pursue all remedies available under XXXX U.S.C. XXXX ( willful non-compliance ) and XXXX ( negligent non-compliance ), including statutory damages ( {$1000.00} per violation ), actual damages, punitive damages, costs and attorneys fees. 
XXXX. AUTHORIZATION This letter constitutes my signed authorization for you to contact the furnishers and to disclose to me all non-public information necessary to resolve this dispute. 
Sincerely,

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