Consumer complaint received 2025-09-08 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: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Complaint and Request for Investigation of Inaccurate and Unverified Accounts Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am submitting this formal complaint regarding inaccurate, incomplete, and unverifiable information that continues to appear on my credit reports maintained by Experian , Equifax , and TransUnion . 
Despite prior disputes, the accounts listed above remain without proper verification. 
My rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) include, but are not limited to : - * * 15 U.S.C. 1681i ( FCRA 611 ) : * * Credit reporting agencies must conduct a reasonable reinvestigation and delete any item that can not be verified.- * * 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) : * * Credit reporting agencies must ensure maximum possible accuracy.- * * 15 U.S.C. 1681c-2 ( FCRA 605B ) : * * Fraudulent or identity theft-related accounts must be blocked within four business days.- * * 15 U.S.C. 1692g ( FDCPA 809 ) : * * Debt collectors must provide proper validation of alleged debts upon request. 
I have repeatedly requested validation and correction from the credit bureaus and furnishers. However, the following issues remain unresolved : - Accounts are being reported as active collections without proper verification or documentation.- Some accounts list incorrect balances, statuses, or dates of last payment. 
- My personal information is inaccurately reported. My correct legal name is * * XXXX XXXX XXXX XXXX * *. All misspellings, aliases, or outdated addresses must be removed. 
These errors are causing significant and unfair harm to my creditworthiness. I request that the CFPB intervene to ensure compliance with federal law and that the credit reporting agencies and furnishers provide proper validation or remove the accounts in question. 
Failure to comply constitutes willful noncompliance under * * 15 U.S.C. 1681n & 1681o * *, which provides for civil liability.

I respectfully request that the CFPB investigate this matter and require the credit bureaus and furnishers to correct or delete these accounts in accordance with federal law. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/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