Consumer complaint received 2025-04-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXExperian Information Solutions, Inc.XXXX XXXX XXXX XXXX XXXXRE: FORMAL DISPUTE AND DEMAND FOR IMMEDIATE ACTION UNDER FCRA  605B, 1681i  FILE CORRECTION DEMAND DUE TO IDENTITY THEFT AND NEGLIGENCEXXXXTo Whom It May Concern:XXXXThis letter serves as a formal demand for the immediate removal of multiple inaccurate, incomplete, and potentially fraudulent accounts listed on my credit report generated by Experian on XXXX XXXX XXXX This demand is made under the Fair Credit Reporting Act (FCRA)  605B and 1681i, as well as protections afforded under federal consumer protection law.XXXXDespite my prior dispute efforts, your agency has failed to conduct a legally compliant and reasonable reinvestigation. As outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau against Experian (Case No. 8:25-cv-00024), Experian has demonstrated systemic failures in dispute resolution, including:XXXX Failing to forward all relevant consumer documentation to furnishers;\n Transmitting inaccurate dispute codes and misrepresenting the nature of consumer disputes;\n Over-relying on automated furnisher responses, even when obviously erroneous or internally contradictory;\n Providing consumers with unclear or misleading dispute outcome notifications;XXXX Failing to complete reinvestigations in the required timeframesXXXXYou are now on notice that such practices directly violate 15 U.S.C.  1681i(a) and the Consumer Financial Protection Act. Your reinvestigation into multiple disputed tradelinesincluding but not limited to:XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status: Charged OffXXXX Balance: $XXXX\n Dispute: I have no knowledge of this account. It was charged off with no prior notice. Please provide all documentation supporting this debt or remove it entirely.\XXXX XXXX XXXX XXXX XXXX  Status: Charged Off\XXXX Balance: $XXXX Dispute: I do not recognize this account. I never opened an account with XXXX XXXX  This is potentially fraudulent and must be investigated.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status: Closed with 3 late payments\n Dispute: I have no knowledge of this account. A consumer statement has already been placed, but this account continues to negatively impact my credit and should be removed.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status: Charged Off\n Balance: $XXXX Dispute: I have no knowledge of this account. This account shows an excessively inflated past due amount and was previously disputed. I request validation of this debt and correction or deletion if proper documentation cannot be provided.XXXX Multiple Dept of Education/XXXX  XXXX (XXXX  separate accounts)\n Status: All Open, Deferred, with multiple 90180 day late payments reported\n Dispute: Payments are currently deferred, yet each loan shows significant delinquencies. These inconsistencies conflict with the stated deferred status. I request an audit and correction of the reported late payments.XXXX XXXX XXXX XXXX XXXX XXXX  Status: Past Due - 60 days\n Dispute: I dispute the reported late payments, as I believe the reporting dates are inaccurate. Please verify the actual payment history or correct this error.XXXX XXXX XXXX XXXX XXXX XXXX Status: Closed/Never Late\n Dispute: A consumer statement indicates disagreement with a previous investigation. I request reinvestigation and removal if documentation is not sufficiently providedXXXX XXXX Status: Paid/Closed/Never Late\nDispute: I have no knowledge of this account. 10. XXXX XXXX XXXX Status: Paid/Closed\nDispute: I have no knowledge of this account.\nThese accounts were grossly inadequate. Your records even contain Completed investigation of FCRA dispute  consumer disagrees, which only reaffirms your failure to verify or correct false information and continues to damage my financial standing.\n\nAdditionally, I remind you of the XXXX  data breach of XXXX, which compromised my personal identifying information. I reserve the right to assert that any suspicious or unknown tradeline may have resulted from identity theftespecially given that Experian, XXXX, and XXXX  all participated in the same negligent data ecosystems that led to my exposure. Pursuant to FCRA  605B, you are legally obligated to block such fraudulent tradelines within 4 business days of receiving an identity theft report, my statement of non-involvement, and proper identificationwhich I am prepared to submit again if needed.\n\nTherefore, I DEMAND:\n1. The immediate removal of all inaccurate, unverifiable, or fraudulent tradelines from my credit file;\n2. A full, written explanation of what, if anything, was updated or deleted;\n3. That no disputed tradeline be reinserted without full compliance with 15 U.S.C.  1681i(a)(5)(B)-(C).\n\nFailure to comply within the legal timeframe will result in the immediate filing of complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission, the Texas Attorney Generals Office, and potentially civil action for willful noncompliance and defamation under the FCRA.\n\nSincerely,XXXX XXXX XXXX XXXX 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