Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
Subject : URGENT Dispute Request for Immediate Deletion of Fraudulent Accounts To Whom It May Concern, I am formally disputing the fraudulent accounts listed below and demand their immediate removal from my credit report. XXXX is in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ), and I expect full compliance with my consumer rights. 
Disputed Account Details XXXX. 
Creditor : XXXX XXXX  Account Number : XXXX Status : Charged-Off / Collection Balance : {$14000.00} Date Opened : XX/XX/year> XXXX. 
Creditor : XXXX XXXX XXXX Account Number : XXXX Status : Collection Balance : {$3000.00} Legal Basis for Immediate Removal XXXX. 
Failure to Block Fraudulent Information ( FCRA 605B 15 U.S.C. 
XXXX ) {$1000.00} Violation The FCRA requires credit bureaus to block fraudulent accounts within four business days of receiving notice from the consumer. 

Demand : These accounts must be permanently deleted immediately. 
XXXX. 
Failure to Conduct Proper Verification ( FCRA 611 15 U.S.C. 
XXXX ) {$1000.00} Violation per Account If XXXX can not verify the accuracy of these accounts beyond doubt, they must be removed. 

Demand : Either provide documented proof of verification or delete these accounts. 
XXXX. 
Defamation and Financial Injury ( FCRA 623 15 U.S.C. 1681s-2 ) {$1000.00} Violation per Account The continued reporting of false information is harming my creditworthiness. 

Demand : Stop reporting unverified negative information immediately. 
XXXX. 
Reporting of Inaccurate Data ( FCRA 1681e ( b ) ) {$1000.00} Violation per Account XXXX must ensure the highest level of accuracy in reporting. These fraudulent accounts prove a failure to do so. 

Demand : Remove the accounts immediately or provide concrete verification. 
XXXX. 
Re-Aging of Debt ( FCRA 605 ( a ) ) {$1000.00} Violation per Account If these accounts were previously removed and reinserted, XXXX is unlawfully re-aging the debt. 

Demand : If these accounts were reinserted, provide documentation of their validity or delete them permanently. 
XXXX. 
Willful Non-Compliance with Federal Law ( FCRA 616 15 U.S.C. 
1681n ) {$1000.00} Violation per Account XXXX can be held liable for statutory damages of {$1000.00} per violation, plus additional punitive damages. 

Demand : Failure to comply will result in legal action. 
Summary of Violations and Legal Consequences Total FCRA Violations : 12 ( XXXX per account ) Potential Damages : {$12000.00} If these fraudulent accounts are not permanently deleted within 30 days, I will take the following actions : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Initiate legal action for damages under the FCRA. 

Seek punitive damages for willful negligence. 
I expect written confirmation from XXXX regarding the deletion of these accounts within the legally required timeframe. Failure to comply will result in immediate escalation.

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