Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am submitting this complaint along with a signed Affidavit of Identity Theft to formally dispute and demand the immediate deletion of fraudulent tradelines being reported under my name by the following entities : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and my records do not match any of the data being furnished. Despite multiple formal notices and disputes, these accounts continue to be reportedprimarily by XXXX lawful validation as required by 15 U.S.C. 1692g of the FDCPA and 1681i of the FCRA.

None of these creditors have provided : A wet-ink signature contract or verifiable agreement A court order An affidavit of debt Or even the basic identity of any agent who allegedly verified the information This is a clear violation of 15 U.S.C. 1692e ( 8 ), which prohibits continued communication of disputed information without proper disclosure and verification. It also violates FCRA mandates for reasonable reinvestigation and good-faith accuracy in credit reporting.

I hereby invoke my rights under FCRA 611 ( 15 U.S.C. 1681i ) and make the following formal demand : 1. Provide the method of verification used to verify each disputed account : A full explanation of the exact procedure used during your investigation The full name, address, and contact information of each original creditor or furnisher contacted A copy of the contract or documentation you relied upon to confirm the accuracy of the account This request is made pursuant to FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires the credit reporting agency to describe the verification method used, including the party contacted and their contact information.

2. Permanently delete the following accounts and associated hard inquiries from my credit report : XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX Hard Inquiries from : XXXX XXXX, XXXX, and XXXX I further assert that my personal and financial information has been compromised, potentially in violation of FERPA, which governs educational data. XXXX has refused to provide a contract, despite multiple formal requests. In light of these failures and the harm caused, I am requesting immediate cancellation of this alleged student loan debt. 
Legal Notice Failure to comply, verify, or remove these fraudulent accounts and inquiries constitutes willful and negligent noncompliance with federal consumer protection laws and subjects both the furnisher and the reporting agency to civil liability under the FCRA and FDCPA, including damages related to credit denials, housing discrimination, lost opportunities, and reputational harm. 
I respectfully request immediate removal of these accounts and full compliance with all applicable federal law.

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