Consumer complaint received 2025-03-29 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, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Third DISPUTE OF INCOMPLETE AND INACCURATE INFORMATION & REQUEST FOR COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information on my credit report as a victim of identity theft resulting from the XXXX XXXX XXXX XXXX. Due to XXXX failure to safeguard my personal information, unauthorized accounts and inquiries have appeared on my credit report, severely impacting my financial stability and employment opportunities. 
The presence of these fraudulent accounts constitutes an adverse action against me, as defined under 15 U.S.C. 1681a, Section 603 ( k ) ( 1 ) ( B ) ( ii ). Despite my previous dispute, these issues remain unresolved. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to demand that all reported information be accurate, verified, and legally permissible. I am requesting immediate compliance with the FCRA, particularly the following provisions : 1. 15 U.S.C. 1681c-2 Blocking Information Resulting from Identity Theft As a victim of identity theft, I am invoking my right under this section to request the removal of all fraudulent accounts and inquiries that may have resulted from the XXXX XXXX XXXX XXXX My personal and financial information was compromised, and any unauthorized activity linked to my identity must be deleted immediately. 
XXXX. 15 U.S.C. 1681i Reinvestigation of Disputed Information You are legally required to conduct a proper reinvestigation of the disputed items. Any account that can not be verified with original source documentation must be permanently deleted. Given XXXX history of data security failures, I demand heightened scrutiny and proper verification of all reported information. 
XXXX. 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy The continued presence of fraudulent accounts and unauthorized inquiries on my report constitutes a clear violation of this section. As established by the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX credit reporting agencies must ensure factual accuracy and avoid misleading reporting. Any inaccurate or unverifiable information must be corrected or removed. 
XXXX. 15 U.S.C. 1681n Civil Liability for Willful Noncompliance Given your failure to correct these inaccuracies after my first dispute, I am now seeking punitive damages as permitted under this provision. If this matter is not resolved immediately, I will pursue legal action to recover damages for your willful noncompliance. 
Requested Actions To rectify this matter, I demand the immediate removal of the fraudulent items/accounts listed below : Accounts 15 U.S. Code 1681 ( C ) -Time Limits on Negative Information Outdated Unfair and Harmful Credit Reporting Practices XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. Code 1681 ( C ) -Time Limits on Negative Information Outdated Unfair and Harmful Credit Reporting Practices XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS COAF Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS KMF Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS COAF Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. There is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX Account Number : XXXX Please remove it from my credit report. 
15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX  Account Number : 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. 
Delete this account. 
Oh by the way I hope you understand that the FCRA states in the section below Adverse Action Notice : I also want 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 a job, as the employer conducts a credit check as part of their hiring process. The adverse information you reported contributed directly to my disqualification. This constitutes an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m.

The denial of employment due to this unverified and potentially inaccurate information is not only distressing but may also be unlawful if the debt is not properly validated. As a result, I am requesting that you immediately investigate this matter and cease all collection activities until you can provide proper validation. 
Relevant Case Law Supporting My Request : XXXX. XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) This case affirms the requirement that a debt collector must provide validation of the debt upon request and must cease collection efforts until proper validation is provided. 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) In this case, the court ruled that if a debt collector fails to validate a debt as requested, they can not continue to pursue collection activities. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case highlights the necessity for a debt collector to provide accurate and complete information about the debt in question when validation is requested. 
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. 
XXXX. Detailed accounting of the alleged debt, including a breakdown of the amount you claim I owe and how it was calculated. 
XXXX. 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, 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