Consumer complaint received 2025-06-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information, Request for Immediate Deletion, and Demand for Method of Verification To Whom It May Concern, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally disputing the accuracy and completeness of the following accounts and inquiries listed on my Experian credit file. This is a formal demand for deletion under the E-OSCAR reporting system using appropriate dispute codes and procedures. 

Accounts in Dispute Requesting Immediate Deletion XXXX XXXX XXXX XXXX Account No. : XXXX Dispute Code : XXXX Not mine XXXX XXXX XXXX XXXX Account No. : XXXX Dispute Code : XXXX Not mine XXXX XXXX XXXX XXXX Account No. : XXXX Dispute Code : XXXX Not mine XXXX Account No. : XXXX Dispute Code : XXXX Not mine Unauthorized Inquiries Requesting Removal XXXX XXXX Inquiry Date : XX/XX/year> Dispute Code : XXXX Inquiry was not initiated by the consumer XXXX XXXX Inquiry Date : XX/XX/year> Dispute Code : XXXX Inquiry was not initiated by the consumer XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/year> Dispute Code : XXXX Inquiry was not initiated by the consumer Legal Background and Supporting Action On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed suit against Experian for multiple violations of the FCRA and Consumer Financial Protection Act ( CFPA ), including : Failing to conduct proper reinvestigations Continuing to report unverifiable or inaccurate data Re-inserting previously removed accounts Failing to notify consumers of reinvestigation results Given these serious allegations, I am demanding that Experian fully comply with all legal obligations under the FCRA and delete the above entries immediately if they can not be fully verified with documentation. 

You Are Legally Required To Provide the Following : Method of Verification : A detailed explanation of how each disputed account and inquiry was verified. 

Investigation Procedures : Description of reinvestigation steps per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Supporting Documentation : Full records used to verify each disputed item, including signatures, contracts, and original applications.

Cease and Desist Notification Under 12 CFR 1006.6 ( c ) You are to cease all further communication regarding these accounts unless it is to : Provide the above documentation, Notify me through the CFPB of deletion. 

If You Can not Provide Documentation Within 15 Days : Delete the disputed accounts under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Remove the unauthorized inquiries Cease all reporting of these items Acknowledge in writing that the deletions have been completed Notice of Impending Legal Action Failure to comply will result in immediate legal action, including but not limited to : Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n ) Actual damages for harm to credit and distress Punitive damages for willful violations Attorney 's fees and court costs Defamation of character claim for knowingly reporting false information Response Required Within 15 Days This is your legal obligation. Noncompliance will result in litigation without further notice. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 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