Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found within my credit report. This includes unverified claims, which I challenge under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 data field reporting standard. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims that are knownor should be knownto be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. I kindly request verifiable physical evidence to substantiate both the existence of the account and its permissible purpose. Should this evidence be lacking, I expect immediate deletion of the account from my credit report. I authorize you to send me physical documentation detailing your actions along with an updated credit report. 
Listed below are the accounts being challenged : XXXX XXXX XXXX XXXX XXXX XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. 


Listed below are the collections being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX  data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. 


If you persist in apparent disregard, noncompliance, or fail to produce substantial, satisfactory, and evident proof of compliant reporting, please be advised : this letter serves as formal notice prior to my likely decision to petition a civil court in my jurisdiction for a writ of review concerning the reporting issues referenced herein. I am the injured consumer affected by your unverified or insufficiently validated reporting. 
I am therefore challenging the conditional and assumptive reporting privileges exercised on any claims contested in this communication. I am demanding demonstrable proof of authoritative, certifiable, and lawful reporting in strict compliance with both federal and state mandates. This includes adherence to the standards and legal frameworks set forth in the FCRA, FCBA, ECOA, and any applicable local laws, all of which govern your reporting responsibilities.

I recently obtained a copy of my personal credit reports and discovered questionable and/or inadequately verified data still present in your records. I am particularly concerned that this information was reinserted following prior removal, without the legally required 5-day notice as mandated by the FCRA.

Under the Fair Credit Reporting Act, no previously removed item may be reinserted without written notice provided directly to the consumer within five ( 5 ) business days of such reinsertion. I have not received any such notice or verification.

Your continued reporting of these accounts without proper revalidation and notification constitutes a violation of my consumer rights and may subject your company to legal consequences. I expect a thorough investigation and prompt corrective action to ensure full compliance with the law and data accuracy standards. 
Listed below are the inquiries being challenged : XXXX XXXX XXXXXXXX XXXX I am formally disputing the accuracy of this inquiry and any others reported without proper validation. As allowed by the FCRA, I am asserting my right to demand that all information included in my consumer file be fully documented, validated, and accurate. 
I respectfully disagree with any claims of delinquency or derogatory activity on my part. These claims are false and damaging. Accurate and fully compliant reporting is imperative, and I expect strict adherence to Metro 2+ reporting format and guidelines.

Please provide concrete evidence to support the negative status of any account or inquiry listed on my report. I understand the investigation process may require time, so I am allowing 30 days from the date of this letter for your review and response, including the delivery of a corrected credit report and physical proof of your actions. 
Listed below is the personal information being challenged : Incorrect Date of Birth : XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX NY XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Name XXXX XXXX XXXX I am requesting immediate correction of all personal identifying information. If your records contain any names or identifiers other than the correct one used in this letter, I request that those names be deleted immediately.

You have reported multiple inaccuracies, which constitutes a violation of the FCRA. Additionally, you have violated 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, which states that a consumer report may be furnished only under specific legal circumstances and with the consumer 's written consent. Let me be clear : I never provided written consent for these items to appear on my consumer report. This unauthorized reporting is illegal and harmful to me.

By law, the accounts and inquiries referenced in this letter must be deleted immediately. If you fail to comply, I will not hesitate to pursue monetary damages through small claims court in my city and state. Furthermore, this matter has already been escalated to the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals Office, XXXX XXXX XXXX XXXX XXXX XXXX, and the Federal Trade Commission ( FTC ). This issue will not be ignored. 
I am disappointed with the absence of documented proof of your compliance with reporting standards and consumer protection laws. I am demanding the immediate deletion of all inaccurate and unverifiable items. Noncompliance will result in legal action, including claims for monetary damages, court awards, and penalties for any injurious, negligent, or reckless reporting practices that result in credit denials or unfair financial consequences.

I am demanding fully compliant documentation in line with the FCRA, Metro 2, and all relevant state laws. Any reported item must meet the standard of maximum possible accuracy. Inaccurate or unverifiable data must be deleted.

I am allowing 7 days from the receipt of this letter for acknowledgment and corrective action. Failure to act accordingly will result in further legal action.

If legal action becomes necessary, it will be costly to your organization. I require that you select one of the provided resolution options so that I may consider this matter resolved and refrain from further action. I demand a notarized statement from a person with first-hand knowledge of the alleged debt, affirming its legality, non-disputed nature, and that it was not utilized as a tax deduction or written off by any insuring entity.

Please provide such proof immediately.

Additionally, under the FCRA, any entity accessing my credit report must have documented written consent from me. If you are able to furnish a signed credit application authorizing disclosure of my file, I will acknowledge the inquiry. If not, I demand the immediate deletion of the inquiry from all three major credit bureaus.

These inquiries are adversely affecting my creditworthiness. Please respond within 30 days.

Under 15 U.S.C. 1681, Section 604, entities requesting credit reports must have a lawful Permissible Purpose. If you do not possess verifiable documentation of such a purposeand proof that the inquiry was authorized by meyou are required by law to delete the inquiry.

I am requesting that you provide documentation demonstrating your compliance. If you fail to comply within the given timeframe, the inquiries must be deleted regardless of the reason for your noncompliance.

In Genuine Sincerity, I close this letter with the following notice : RE : NOTICE OF VIOLATION UNDER 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FOR UNAUTHORIZED REPORTING To Experian : Upon reviewing my credit report, I have discovered violations of the Fair Credit Reporting Act ( FCRA ), specifically involving unauthorized credit inquiries for transactions not initiated by me. Under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), such reporting is only permissible if initiated by the consumer or as part of a firm offer of credit or insurance with proper authorization.

According to 15 U.S.C. 1681g ( a ) ( 5 ), these unauthorized inquiries must not be disclosed to third parties except under very specific conditions. Further, under 15 U.S.C. 1681n ( b ), if a consumer report is obtained under false pretenses or without permissible purpose, I am entitled to actual or statutory damages, plus possible punitive damages at the court 's discretion.

I did not authorize or initiate these inquiries. I am demanding removal of these items from my credit file under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
Inquiry to be deleted immediately : XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry This letter serves as notice that complaints have been filed with the CFPB, State Attorney General, XXXX, and FTC regarding these violations. 
I await your timely and compliant response.

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