Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's XXXX XXXX Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.

Listed below are the Collections that are being challenged : XXXX XXXX XXXX - XXXX I want to remind you that absent legal authority or a written agreement between us, you can not force me to conduct any business interaction ( s ) with you, and I will not do so. If you elect still to injure me, even to the slightest, it would undoubtedly be a show of merciless harassment or even willful extortion, which is a criminal offense in my state of residence. Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and/or removal from reporting the delinquently reported item ( s ) of : Please acknowledge receipt of this letter and inform me of your actions regarding the removal of the delinquently reported item ( s ) within 20 days of your receipt of this notice. 

Listed below are the Collections that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am not confident that you can meet the necessary requirements to successfully defend yourself in court, and I will use any deficiencies in your compliance to seek a minimum of {$1000.00} per violation, of which there appear to be many. Unless your letter confirms that you have already annulled the unproven claims against me and I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report which is attached.

Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 ( c ) ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX  - XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX XXXX - XXXX This collection account is fraudulent and inaccurate. My personal data was compromised in both the EQUIFAX and NATIONAL PUBLIC DATA BREACHES, which led to unauthorized accounts being reported. You have no valid documentation or legal proof of this debt. Under 15 U.S.C. 1681b and 15 U.S.C. 1692g, you are required to provide verified evidence of my liabilityand you have failed to do so. This issue is under active investigation. DELETE THIS ACCOUNT IMMEDIATELY.

AFFIRM INC - B072UYM8 This charged-off account is closed, yet you're illegally reporting a {$2900.00} balance and a past due amount with no supporting record. Thats false, misleading, and violates 15 U.S. Code 1681s-2 and 1666b. The dates of last activity are inconsistent across all three bureaus, proving clear non-compliance with Metro 2 and the FCRAs accuracy and reinvestigation requirements. Why are you furnishing a balance on a charged-off account with no current debt obligation? Why havent you verified the date fields or corrected the discrepancies after multiple disputes? This is not an errorits willful misconduct. Youve ignored your duty to report with maximum accuracy. DELETE this account immediately or face liability under 15 U.S. Code 1681n for continued non-compliance.

Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance Failing to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports Under 15 U.S.C. 1681i ( 7 ) Method of verification Violations under 15 USC 1681 a ( 4 ) right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I expect this letter to be taken seriously and I demand this fraudulent account be blocked and removed from my report as I have provided you with the required pieces of information.

If this is the case, civil suits are inevitable, and criminal charges may also be considered if your deception or lack of compliance causes any harm. If you have not completely erased any records related to these claims, I will assume that you are hostile to my demands for proper reporting and intentionally disregarding your duties.

If this is the case, civil suits are inevitable, and criminal charges may also be considered if your deception or lack of compliance causes any harm.

I conclude my communication with you with a genuine sense of professionalism and sincerity.

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