Consumer complaint received 2025-04-23 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: NV

Complaint narrative:
FORMAL NOTICE OF DISPUTE & DEMAND FOR REINVESTIGATION From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Date : XXXXXXXX  Subject : URGENT Notice of Dispute & Demand for Immediate Reinvestigation and Removal of Inaccurate Information To Whom It May Concern, I am writing to formally dispute and demand removal of inaccurate, unauthorized, and unlawfully reported accounts currently appearing on my credit file. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. 

DISPUTED ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX ( Reporting as successor to XXXX XXXX XXXX ) Note : XXXX XXXX XXXX should not be reporting or communicating in any form. 

BASIS FOR DISPUTE : I sent a Cease and Desist communication to XXXX XXXX XXXX in XX/XX/year>, revoking any and all consent to contact me directly or indirectly across all mediums. This includes communication via consumer credit reporting agencies. 

Despite that, XXXX XXXX is now attempting to bypass the cease communication by reporting indirectly on my consumer report. This is a violation of my lawful rights, and constitutes unlawful communication. 

XXXX XXXX XXXX has confirmed that they sold or transferred the alleged debt to XXXX, and no longer service or own the account. Therefore, XXXX XXXX XXXX must not be reporting the account, as they no longer have a legal right to do so. 

The original debt validation has never been provided. No signed agreement, no full chain of assignment, and no full disclosure has been sent to me as

required by 15 U.S.C. 1692g ( b ) and FCRA 1681s-2 ( a ).
These accounts are in active dispute, and per FCRA 1681s-2 ( a ) ( 3 ), reporting disputed information without notice or reinvestigation is unlawful. 

Continued reporting without correction or deletion constitutes willful neglect and non-compliance with federal law, which opens your agency to civil liability under FCRA 1681n and 1681o. 

FORMAL DEMANDS : You are hereby notified to : Immediately remove these accounts from my consumer report due to their inaccuracy and unlawful reporting. 

Conduct a full reinvestigation of these accounts under FCRA 1681i.

Provide a written statement of reinvestigation results within 30 days. 

Send me a corrected credit report with the disputed accounts permanently removed. 

DECLARATION I declare under penalty of perjury that the statements contained in this notice are true, correct, and complete to the best of my knowledge and belief. Any further delay, inaction, or negligence will be interpreted as willful noncompliance and I will not hesitate to pursue legal action to enforce my rights. 

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