Consumer complaint received 2025-11-23 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:
My life has been negatively impacted by the government shut down as a result these accounts have been furnished onto my customer report without my consent. They must be removed immediately.. Details of the Account in Question : Creditor/Collection Agency Name : XXXX BANK DELAWARE Account Number ( Last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Date of Original Deletion : XX/XX/XXXX Approximate Date of Reinsertion : XX/XX/XXXX Under FCRA Section 611 ( a ) ( 5 ) ( B ), I must be notified within five business days if a previously deleted item is reinserted into my credit file. I did not receive such notification. Account nameXX/XX/XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Late payments XX/XX/XXXX Delete this entire account which is my right under 15 USC 6802 This account is reporting without any active balance. Chargeoff Balance Error. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. This account has been paid and closed. It is reporting as paid and closed yet it is still on my consumer report. This account is reported in accurately there is no balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which this company did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence.

Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.. Thank you for your prompt attention to this matter. Sincerely, XX/XX/1871

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