Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and all other relevant federal and state laws, for the immediate deletion and correction of multiple inaccurate, outdated, and unlawfully reported items on my consumer credit file. These include : XXXX. Unauthorized Hard Inquiries Under FCRA 1681b ( c ), hard inquiries may only be made with the consumer 's explicit authorization or for permissible purposes such as a firm offer of credit initiated by the consumer. Any inquiries on my report that were not authorized in writing must be immediately removed. 

Unauthorized inquiries constitute a willful violation of the FCRA and may be considered identity theft or negligent handling of consumer information. 

XXXX. Charge-Off Accounts and Outdated Debt Per FCRA 1681c ( a ) ( 4 ) - ( 5 ), negative items such as charge-offs must not be reported after seven ( 7 ) years from the date of first delinquency. Any charge-offs that have exceeded the statute of limitations for reporting must be removed immediately. 

Furthermore, if a debt has been charged off and sold, it can no longer be reported by the original creditor and should not be reported by multiple entities simultaneously, which creates duplicate derogatory accounts. 

XXXX. Accounts Sold to Third Parties Without My Consent No party has the right to sell or transfer my debt or consumer data without consent unless explicitly stated in the original agreement. The continued reporting of accounts by original creditors after assignment, sale, or discharge, without disclosing that the account has been transferred, is false and misleading under FCRA 1681s-2 ( a ) and FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ), which prohibits misrepresentations in the collection and reporting of debts.

Furthermore, TILA ( 15 U.S.C. 1601 ) provides that creditors must provide clear disclosures about loan terms and transfer of servicing rights. If this was not properly disclosed or consented to, the debts assignment is in violation. 

XXXX. Reporting Inaccuracies & Legal Consequences Under the FCRA, credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information they furnish ( FCRA 1681e ( b ) ). If they fail to correct these violations upon notice, they may be held liable under : FCRA 1681n For willful noncompliance : statutory damages, punitive damages, and attorney 's fees FCRA 1681o For negligent noncompliance : actual damages and attorney 's fees FDCPA 813 ( 15 U.S.C. 1692k ) For violations by third-party collectors : damages, legal costs FTC & CFPB Enforcement Agencies may levy penalties for systematic noncompliance DEMAND FOR ACTION You are hereby instructed to : Immediately remove all unauthorized hard inquiries, Delete all charge-offs and accounts that are outdated, unverifiable, or sold without consent, Ensure that only the current, accurate data is being reported by any party to whom the debt was legally assigned, Cease and desist any continued reporting that violates federal laws. 

If these items are not removed and I do not receive written confirmation within 30 calendar days, I will take immediate legal action, including : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, Initiating a civil lawsuit for statutory, actual, and punitive damages, Requesting discovery of all internal procedures used to verify and report this information.

Your failure to act is unlawfully interfering with my ability to access housing, credit, and operate business, constituting interference with commerce, for which you may also be held liable.

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