Consumer complaint received 2025-05-07 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 XXXXXXXX XXXX XXXX XXXX  XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX RE : FINAL NOTICE LEGAL DEMAND FOR IMMEDIATE DELETION OF UNVERIFIED COLLECTIONS, CHARGE-OFF & REPOSSESSION FCRA, UCC, FDCPA VIOLATIONS To Whom It May Concern, This letter serves as my formal dispute and legal demand for the immediate deletion of the following accounts from my Experian credit report. These items are being reported without legal verification, permissible purpose, or contractual documentation, in violation of the Fair Credit Reporting Act ( FCRA ), Uniform Commercial Code ( UCC ), and Fair Debt Collection Practices Act ( FDCPA ). 

ACCOUNTS TO BE DELETED IMMEDIATELY : XXXX XXXX Acct # XXXX Collection {$6400.00} XXXX XXXX XXXX  Acct # XXXX Collection {$200.00} XXXX XXXX Acct # XXXX Collection {$700.00} XXXX Acct # XXXX Collection {$700.00} XXXX Acct # XXXX Charge-off {$1500.00} XXXX Acct # XXXX Repossession {$19000.00} LEGAL VIOLATIONS INVOLVED : FCRA 1681b No permissible purpose to report data without my explicit consent FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i Failure to reinvestigate disputed items properly FCRA 609 ( a ) ( 1 ) No original signed contract has been provided to support these accounts FDCPA 809 ( b ) Failure to provide lawful debt validation upon request UCC 3-501 I demand presentment of the original obligation with my wet-ink signature UCC 1-308 I reserve all rights without prejudice Consumer Privacy Rights Reporting unverifiable accounts without legal proof violates my consumer privacy rights ADDITIONAL LEGAL BASIS FOR DELETING XXXX XXXX XXXXXXXX XXXX XXXX was involved in a {$550.00} XXXX multistate lawsuit settlement in XXXX for deceptive auto loan practices, misrepresentation of underwriting standards, and wrongful repossessions. Many consumers credit reports were falsely damaged as a result. This account must be removed unless you can prove the repossession was legally executed, properly documented, and verified through certified underwriting and assignment records. 

DEMAND FOR ACTION : You are required to : Permanently delete all accounts listed above from my Experian report within 15 calendar days Provide written confirmation of deletion Send copies of all verification documentation, including the original signed contracts and validation proof FAILURE TO COMPLY : I will file formal complaints with the CFPB, FTC, and Illinois Attorney General I will pursue legal action under FCRA 616 & 617 for willful noncompliance I will seek damages for defamation, negligence, and emotional harm If these accounts are not fully validated with original documentation, they must be removed. Reinsertion without proper notice violates FCRA 611 ( a ) ( 5 ) ( B ) and will result in legal consequences. 

This is your final legal notice. I expect full compliance under federal law. 

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