Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
RE : FORMAL DEMAND FOR PERMANENT DELETION OF INACCURATE, UNVERIFIED, AND UNAUTHORIZED CREDIT DATA This correspondence serves as official notice and legal demand under federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Consumer Financial Protection Bureau ( CFPB ) Regulations Federal Trade Commission ( FTC ) Act, 15 U.S.C. 45 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Data Accuracy Standards SUMMARY OF VIOLATIONS AND DISPUTED ITEMS According to my most recent credit reports dated XX/XX/year>, from the XXXX XXXX XXXX ( Equifax, TransUnion, Experian ), my scores are XXXX, XXXX, and XXXX, respectively. 
Upon a full review, I found numerous illegal, unverifiable, outdated, and inaccurate entries, including but not limited to : Derogatory & Inaccurate Accounts XXXX XXXX XXXX XXXX ( Multiple Accounts ) XXXX XXXX XXXX Charged-off accounts ( {$640.00} and {$3100.00} ) reporting charge-offs and closed accounts inconsistently across bureaus. These are inaccurate, unverifiable, and duplicative. 

XXXX XXXX XXXX XXXX reporting multiple charge-offs ( auto loan, credit card ) XXXX XXXX XXXX Charged-off auto loan ( {$10000.00} ) and XXXX XXXX XXXX Charged-off credit card ( {$1100.00} ) with contradictory dates, amounts, and payment histories. 

XXXX XXXX XXXX XXXX Bank reporting inconsistent 30 days late payments ( {$1000.00} balance ) notations despite verified on-time payments and secured account status. 
XXXX XXXX, XXXX, XXXX XXXX multiple unauthorized inquiries. 
XXXX XXXX XXXX XXXX multiple redundant inquiries within short periods, violating FCRA 604 ( a ). 


Other Violations Inaccurate personal information across bureaus : XXXX XXXX, XXXX XXXX XXXX, and incorrect DOB listings. 
Closed accounts being reported as derogatory and charge-offs, violating FCRA 607 ( b ) ( maximum accuracy ).

Multiple hard and soft inquiries performed without a permissible purpose, violating FCRA 604 ( a ) ( 2 ).

Improper continued reporting of obsolete negative data, violating FCRA 605 ( a ) ( information older than 7 years ). 

LEGAL BASIS FOR DELETION DEMAND Under the Fair Credit Reporting Act, you are required to ensure that every entry on my credit file is 100 % accurate, verifiable, and timely. Any item that can not be fully verified with original source documentation must be deleted immediately, per FCRA 611 ( a ) ( 5 ) ( A ).

Under FCRA 607 ( b ), you have an affirmative duty to maintain maximum possible accuracy. Continuing to report any unverifiable or inconsistent information constitutes willful noncompliance, subject to civil penalties under FCRA 616617. 
Furthermore, any entity that accessed my file without proper authorization under FCRA 604 ( a ) must have its inquiry permanently deleted. Retaining such inquiries violates federal law and my right to privacy under Section 602 ( A ) ( 4 ).

DEMAND FOR ACTION You are hereby directed to take the following immediate actions : Permanently DELETE all inaccurate, unverifiable, or outdated derogatory entries, charge-offs, and delinquencies. 

REMOVE all unauthorized hard and soft inquiries performed without my express consent. 
DELETE all duplicate and conflicting personal information, including name variations and incorrect birthdates. 
UPDATE my report to accurately reflect only current, verifiable, open, and positive accounts. 
Permanently DELETE all unverifiable, inaccurate, outdated, and damaging negative items listed above. 
Remove all unauthorized inquiries and soft/hard pulls not initiated or permitted by me. 
Cease and desist from further reporting of inaccurate, misleading, or unverifiable items. 
Provide me with written confirmation of the permanent deletions made, in accordance with FCRA Section 611 ( a ) ( 6 ) ( B ) ( ii ).

Provide written confirmation of deletion and updated credit files within 15 calendar days of receipt of this notice.

Failure to comply within this time frame will result in formal complaints filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Nevada State Attorney Generals Office Additionally, I will pursue civil litigation under FCRA 616 and 617 for statutory, punitive, and actual damages resulting from continued willful reporting of false or unverifiable data. 

SUPPORTING DOCUMENTATION ATTACHED Government-issued ID Proof of address ( utility bill ) Copy of current credit reports ( Equifax, TransUnion, Experian ) with disputed items highlighted FINAL NOTICE This letter constitutes final written notice before escalation. Continued noncompliance will be documented and used as evidence in future legal or regulatory proceedings. 
I expect your immediate correction and written verification of deletions sent to the address listed above.You are further advised to cease all reporting of disputed entries per your legal obligations. 
Failure to correct or delete unverifiable information will be treated as a knowing and willful violation of federal law and will sue them for {$1000.00} each per FCRA violations. 

Respectfully, yet firmly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Email : XXXX Phone : 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