Consumer complaint received 2025-08-09 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: AZ

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Demand for Removal of Inaccurate Information and Monetary Relief for Violations of the FCRA To Whom It May Concern : This is a formal dispute and demand for the immediate removal of inaccurate and incomplete unvalidated debt. I would like to bring to your attention that the continued reporting of this unvalidated debt has had a significant adverse impact on my life. I was recently denied credit when applying for housing as the mortgage lender conducts a credit check as part of the qualifying process. 

The adverse information you reported directly contributed to my disqualification. This constitutes an adverse action under the FCRA, 15 U.S.C. 1681m. The following accounts listed need to be removed immediately due to their inaccurate and incomplete unlawful information.

Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.

15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX  Please remove it from my credit report.

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report.

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Under Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report accurate, complete, and up-to-date information. If a debt has been charged off as bad debt and subsequently canceled by the credit grantor, this must be reflected in the report, including a {$0.00} balance. Issuance of a XXXX for canceled debts is a clear indicator that the debt is no longer legally collectible, and reporting it otherwise is a violation of the FCRA.

Furthermore, Section 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies investigate disputes promptly and either verify or delete inaccurate information within 30 days. Failing to properly investigate or remove unverifiable information is another breach of your statutory obligations. 

In addition, XXXX XXXX reinforces that creditors and furnishers can not knowingly or negligently misreport the status of charged-off debts, particularly after they have been canceled. 

The recent Supreme Court decision in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirms that furnishers and credit reporting agencies must strictly comply with FCRA provisions, with any inaccuracies subjecting them to legal liability.

Monetary Relief for Violations For each violation of the FCRA, I am entitled to statutory damages of up to {$1000.00} per violation, as well as actual damages for harm to my creditworthiness. Additionally, if these violations are determined to be willful under 15 U.S.C. 1681n, your organization may also be liable for punitive damages and my attorneys fees. 

Actions Required I demand the following actions be taken immediately : Remove The unlawful information and incomplete inaccuracies listed above, providing written verification of their accuracy or deleting them from my credit report within 30 days, as required by law. 
Provide me with detailed documentation of your investigation process and results. 
Ensure all debts reported as " charged off '' and canceled are reflected accurately with a {$0.00} balance, as required by the FCRA and IRS reporting guidelines. 

Notice of Escalation Failure to comply with these demands will result in the following actions : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) detailing your violations of the FCRA. 
Pursuing legal action under the FCRA to recover statutory, actual, and punitive damages as outlined above. 
Submitting additional complaints to state regulators and other relevant agencies. 
This is your opportunity to resolve these issues without further escalation. 
Failure to comply with my request may constitute a violation of both the FDCPA and FCRA, and I reserve the right to pursue legal remedies to protect my rights. Please respond to this request within 30 days, as required by law.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ), I am formally requesting validation of this debt.

According to the FDCPA, I am entitled to request and obtain verification of any alleged debt that a debt collector claims I owe. Specifically, I request : 1. Proof that your company is legally entitled to collect this debt. This includes any contracts, agreements, or assignments that show that you have the authority to collect on this debt.

2. Detailed accounting of the alleged debt, including a breakdown of the amount you claim I owe and how it was calculated.

3. Proof that I am the correct debtor. This includes any signed agreements or contracts that bear my signature and that demonstrate my legal obligation to pay this debt. 
If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you to remove these items from my file.

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these items, I will be referring this matter to my attorney for further action. Please do not make this a litigious matter... 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Sincerely,

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