Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Subject : Formal Notice of Dispute Concerning Unauthorized Disclosures, Inaccurate Reporting, and FCRA Violations To Whom It May Concern : This correspondence serves as a formal demand for the immediate investigation and correction of material inaccuracies and unauthorized disclosures present in my consumer credit report maintained by your agency. Upon thorough review, I have identified multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C.

1681 et seq., and the Gramm-Leach-Bliley Act, particularly 15 U.S.C. 6802. 
I. Unauthorized Disclosure of Personal Information Pursuant to 15 U.S.C. 6802 ( b ) and 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from sharing personal information with third parties absent clear, conspicuous disclosure and express written consent. I have not provided such consent for any disclosure of my personal data to third parties. Accordingly, I demand documentary evidence of my express written authorization. Failure to produce such documentation will constitute a de facto violation of federal law. 
XXXX. Federal Trade Commission Complaint Filed Due to the serious nature of these privacy violations and the unauthorized dissemination of my information, I have filed a formal complaint with the Federal Trade Commission ( Complaint No. XXXX ). Given the risk of potential identity theft arising from these violations, this matter is being treated with the utmost urgency. 
XXXX. Formal Demand for Deletion of Inaccurate Accounts In accordance with 15 U.S.C. 1681i ( a ), I hereby demand the deletion of the following inaccurately reported accounts from my credit file within XXXX ( XXXX ) business days : 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 XX/XX/XXXX Balance {$3700.00} {$2700.00} {$130.00} {$380.00} {$220.00} {$30.00} {$0.00} [ Note : Additional incomplete entries must also be removed as they lack identifying details and reflect improper reporting. ] IV. Removal of Unauthorized Inquiries Pursuant to 15 U.S.C. 1681c-2, I request the immediate removal of the following unauthorized inquiries, all dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my knowledge, consent, or permissible purpose as defined by law. 
V. Deletion of Inaccurate Address Records I dispute and demand removal of the following addresses, with which I have no verifiable connection 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VI. Correction of Inaccurate Name Variations The following incorrect name variations must be permanently removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Only my legal name, XXXX XXXX XXXX, should appear. 
XXXX. Request for Verification Documentation Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are obligated to ensure maximum possible accuracy. Automated systems such as E-OSCAR do not meet this standard. I hereby request the following : XXXX. Certified copies of all documentation used to verify each disputed item. 
XXXX. Complete records of all communications with data furnishers, including the names, titles, and contact details of individuals involved, as well as dates of correspondence. 
XXXX. A notarized affidavit attesting to the authenticity and accuracy of the information being reported. 
Failure to comply within fifteen ( XXXX ) days from receipt of this notice will constitute willful noncompliance, at which point I will demand the immediate and permanent removal of all disputed items, pursuant to 15 U.S.C. 1681i.

VIII. Reservation of Legal Rights Please be advised that I reserve all rights to initiate legal proceedings against your agency under 15 U.S.C. 1681n for statutory, actual, and punitive damages, attorneys fees, and any other relief available under the law should this matter remain unresolved. 
Thank you for your prompt attention. I anticipate your full compliance in accordance with federal law. 
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