Consumer complaint received 2025-06-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX  \n Date of Birth: XXXX XXXXn SS#: XXXX \n Experian \n XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXn Please remove these items  ADVERSE ACTION RESULTING FROM YOUR VIOLATIONS \n To Whom It May Concern, \n This letter serves as a  Third formal demand  under the Fair Credit Reporting Act (  FCRA  ), \n specifically  15 U.S.C.  1681c  , for the  immediate removal  of obsolete, inaccurate, and illegally \n reported information from my credit file. XXXX failure to comply with the legally mandated \n reporting period has directly resulted in  adverse action  against me, including the  denial of \n employment opportunities  an outcome directly attributable to your unlawful reporting \n practices. \n I am fully aware of my rights under the FCRA, and I will not tolerate XXXX reckless disregard \n for federal law. In  Moran v. The Screening Pros, LLC  ,  the Ninth Circuit Court of Appeals \n reinforced the strict limitations imposed by the FCRA, ruling that consumer reporting agencies \n cannot  include certain adverse information beyond  the statutory timeframe. Your failure to \n adhere to these reporting guidelines constitutes  willful  noncompliance  , as outlined in  15 \n U.S.C.  1681n  , exposing XXXX to legal liability  for damages, including punitive remedies. \n Because of XXXX   negligent and unlawful reporting  ,  I have suffered financial and \n professional harm, including  the loss of employment  opportunities  due to inaccurate or \n outdated negative information being improperly included in my consumer report. This is \n unacceptable, and I demand the  immediate deletion  of the following erroneous and outdated \n items from my credit report: \n Accounts \n 15 U.S. Code 1681e - Compliance procedures \XXXX XXXX XXXX \n Account Number: XXXX  \n Please remove it from my credit report. \n There is some inaccurate information reporting. \n XXXX XXXX  \n Account Number: XXXX XXXXn Please remove it from my credit report. \n 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account NumberXXXX XXXX XXXXn Please remove it from my credit report. \n 15 U.S.C. 1681e(b) Duty to Ensure Maximum Accuracy \n XXXX  \n Account Number: XXXX XXXXn Please remove it from my credit report. \n 1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE \n INFORMATION \n XXXX XXXX  \n Account Number: XXXX XXXX  Please remove it from my credit report. \n 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX  \n Account Number: XXXX XXXX Please remove it from my credit report. \n 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS \n XXXX  \n Date of inquiryXXXX XXXX \n Please remove it from my credit report. \n 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS \n XXXX XXXXn Date of inquiryXXXX XXXX  \n Please remove it from my credit report. \n 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS \n XXXX XXXXn Date of inquiry: XXXX \n Please remove it from my credit report. \n 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS \n XXXX  \n Date of inquiry: XXXX XXXXn Please remove it from my credit report. \n 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS \XXXX XXXX XXXXn Date of inquiry: XXXX  \n Please remove it from my credit report. \n 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS \n XXXX XXXXn Date of inquiry: XXXX XXXXn Please remove it from my credit report. \n 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS \n XXXX XXXX XXXX XXXX Date of inquiry: XXXX XXXX Please remove it from my credit report. \n 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS \n XXXX XXXXn Date of inquiry: XXXX  \n Please remove it from my credit report. \n 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS \n XXXX \n Date of inquiry: XXXX XXXX Please remove it from my credit report. \n 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS \n XXXX XXXXn Date of inquiry: XXXX XXXXn Please remove it from my credit report. \n 11. 15 U.S.C. 1681e(b) Duty to Ensure Maximum Accuracy \n XXXX XXXX  \n Account Number: XXXX XXXXn Please remove it from my credit report. \n Delete this account. \n Oh by the way I hope you understand that the FCRA states in the section below \n Adverse Action Notice: \n I also want to bring to your attention that the continued reporting of this unvalidated debt has \n had a significant adverse impact on my life. I was recently denied credit when applying for a job, \n as the employer conducts a credit check as part of their hiring process. The adverse information \n you reported contributed directly to my disqualification. This constitutes an adverse action under \n the  Fair Credit Reporting Act (FCRA), 15 U.S.C.   1681m. \n The denial of employment due to this unverified and potentially inaccurate information is not \n only distressing but may also be unlawful if the debt is not properly validated. As a result, I am \n requesting that you immediately investigate this matter and cease all collection activities until \n you can provide proper validation. \n Relevant Case Law Supporting My Request: \n 1.   Chauncey v. JDR Recovery Inc.  ,  118 F.3d 516 (7th Cir.  1997)   This case affirms the \n requirement that a debt collector must provide validation of the debt upon request and \n must cease collection efforts until proper validation is provided. \n 2.   Spears v. Brennan  ,  745 N.E.2d 862 (Ind. Ct. App. 2001)   In this case, the court ruled \n that if a debt collector fails to validate a debt as requested, they cannot continue to \n pursue collection activities. \n 3.   Clark v. Capital Credit & Collection Services, Inc.  , 4  60 F.3d 1162 (9th Cir. 2006)   \n This case highlights the necessity for a debt collector to provide accurate and complete \n information about the debt in question when validation is requested. \n Failure to comply with my request may constitute a violation of both the  FDCPA and FCRA,  and \n I reserve the right to pursue legal remedies to protect my rights. Please respond to this request \n within 30 days, as required by law. \n Pursuant to my rights under the  Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  \n 1692(g),  I am formally requesting validation of this  debt. \n According to the FDCPA, I am entitled to request and obtain verification of any alleged debt that \n a debt collector claims I owe. Specifically, I request: \n 1.   Proof that your company is legally entitled to collect this debt.  This includes any \n contracts, agreements, or assignments that show that you have the authority to collect \n on this debt. \n 2.   Detailed accounting of the alleged debt  , including a breakdown of the amount you \n claim I owe and how it was calculated. \n 3.   Proof that I am the correct debtor.  This includes  any signed agreements or contracts \n that bear my signature and that demonstrate my legal obligation to pay this debt. \n If you claim these items are 100% accurate and verifiable, then I need you to provide me \n with copies  of any documentation associated with these items bearing my signature, as \n I believe none exists.  When you find no signed agreement bearing my signature, I need \n you to remove these items from  my file. \n Please note Im sending this letter certified to protect my rights. Ive researched \n online that you  make a habit to not comply with the above listed FCRA statute. \n If you choose to ignore my request  to block these items, I will be referring this \n matter to my attorney for further action. Please do not  make this a litigious \n matter... \n Lastly, you have 30 days to complete this investigation, as per Fair Credit \n Reporting Act Section  611(a) (1) (A), and I am keeping careful record of your \n actions, including your Method of Verification.  I do not consent to E-OSCAR or \n any means of automated verification. \n Sincerely, XXXX 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