Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
UNITED STATES DISTRICT NOTICE CEASE AND DESIST ORDER & LEGAL COMPLAINT IN THE MATTER OF : XXXX XXXX XXXX XXXX XXXX ) XXXX. 
Experian Information Solutions , IncXXXX ( Defendant ) Dated : XX/XX/year> To : Legal Department Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX RE : IMMEDIATE DEMAND TO REMOVE UNLAWFULLY REPORTED XXXX XXXX XXXX AND XXXX XXXX  ACCOUNT DUE TO LACK OF PERMISSIBLE PURPOSE, FRAUDULENT SOURCE, AND VIOLATIONS OF FEDERAL LAW To Whom It May Concern : This notice serves as a formal rebuttal and cease and desist order regarding Experians continued reporting of a XXXX XXXX XXXX and a XXXX XXXX XXXX account, both of which have already been removed by XXXX and XXXX due to their inaccurate, unverifiable, and unlawfully sourced nature. 



XXXX. UNLAWFUL BANKRUPTCY REPORTING NO PERMISSIBLE PURPOSE Experian continues to report a XXXX XXXX XXXX filed on XX/XX/year>, allegedly from XXXX XXXX XXXX XXXX XXXX. However : XXXX does not furnish bankruptcy data to Experian, and your agency has no legal access to federal court databases. 
The FCRA ( 15 U.S.C. 1681b ) requires a permissible purpose and lawful method to obtain and publish consumer credit data.

The source of this bankruptcy is unverified, inconsistent, and legally inadmissible.

Inconsistencies across bureaus constitute a direct violation of FCRA 1681e ( b ) requiring maximum possible accuracy.

No notice of the negative entry was provided per FCRA 623 ( a ) ( 7 ). 



XXXX. FRAUDULENT REPORTING OF XXXX XXXX ACCOUNT Experian is continuing to report a XXXX XXXX XXXX account that has also been deleted from other credit bureaus due to its lack of authorization and evidence of identity theft/fraud. 
Experian has failed to reasonably investigate and verify the validity of this account under FCRA 1681i ( a ) ( 1 ) ( A ).

The account was reported without my consent, knowledge, or any signed contractual agreement, violating my rights under TILA and FCRA. 



XXXX. EXPERIANS LIABILITY AND DEMAND FOR REMEDY Experians continued reporting of both the bankruptcy and XXXX account : Constitutes willful and negligent noncompliance with the FCRA. 
Is unfair, deceptive, and unlawful under the FTC Act and Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

Has resulted in irreparable financial and reputational harm, causing denials of credit and elevated interest rates.

4. DEMAND FOR IMMEDIATE ACTION You are hereby ORDERED to : 1. Permanently delete the XXXX XXXX XXXX and XXXX XXXX account from all records. 
XXXX. Cease all reporting or reinsertion of said accounts. 
XXXX. Provide full documentation of your source ( s ) for the bankruptcy and XXXX data, including the method used to verify them. 
4. Confirm in writing that no further unauthorized or unverified data will be published under my name.

Failure to comply within 15 business days will result in a federal lawsuit for damages under : FCRA 1681n ( statutory & punitive damages ) FCRA 1681o ( actual damages ) FDCPA & CFPA violations Respectfully Submitted

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