Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir/Madam, To whom it may concern at Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. 
I am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. 
I am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on said items to ensure the accuracy of my credit report.

Kindly conduct a thorough investigation into these matters and promptly address the disputed items.

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX XXXX .Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt.Cease and desist asap. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted immediately. 
XXXX. Pursuant to 15 USC 1602p this account is unauthorized. I did not authorize nor benefit from the debt collector purchasing my debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately. 
XXXX. Pursuant to 15 USC 1602p this account is unauthorized. I did not authorize nor benefit from the debt collector purchasing my debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted immediately. 
XXXX. Pursuant to 15 USC 1681eb this account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the late payment status. 
XXXX. Pursuant to 15 USC 1681s-2 this account is in violation for not providing a notice of dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately. 
XXXX. Pursuant to 15 USC 1602p this account is unauthorized. I did not authorize nor benefit from the debt collector purchasing my debt XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately. 
11. Pursuant to 15 USC 1681eb this account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the late payment status. 
XXXX. Pursuant to 15 USC 1602p this account is unauthorized. I did not authorize nor benefit from the debt collector purchasing my debt XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted immediately. 
XXXX. Pursuant to 15 USC 1681eb this account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the late payment status. 
14. Pursuant to 15 USC 1602p this account is unauthorized. I did not authorize nor benefit from the debt collector purchasing my debt XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted immediately. 
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. I hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. Please remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the Better Business Bureau. Kindly comply with this request promptly.

Please note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification.

Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction.

1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act 4. Financial Injury 5. PENALTY OF PERJURY 6. Violations of 15 U.S.C 1692g 7. 15 U.S.C 1692a abusive practices 8. 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes.

Thank you for your immediate attention to this matter. I anticipate a swift resolution. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXXXXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX XXXX State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, 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