Consumer complaint received 2025-06-08 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:
This serves as my formal notice of dispute concerning a derogatory account being reported by XXXX XXXX to the major credit reporting agencies ( Equifax, Experian, and TransUnion ) XXXX I believe this account, allegedly related to back child support, was established through a default judgment without my knowledge, consent, or due process. Accordingly, I assert that this account is inaccurate, unverifiable, and in violation of both my constitutional rights and federal consumer protection laws.

1. Violation of Due Process It is my position that the debt in question arises from an administrative or judicial order that was entered without proper notification or a fair opportunity to be heardthus constituting a denial of due process under the Fourteenth Amendment of the United States Constitution. I had no opportunity to contest or verify the accuracy of the alleged debt, and I never consented to the opening of such account ( s ).

2. Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am entitled to dispute any inaccurate, incomplete, or unverifiable information in my credit file. In particular : * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item in their credit report.

* If the disputed account can not be verified, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) mandates its deletion from the consumer 's file.

* Under 15 U.S.C. 1681n, any willful noncompliance with the FCRA subjects violators to civil liability, including actual damages, statutory damages, punitive damages, and attorneys fees.

Accordingly, I demand that this account be deleted immediately from my credit report due to its unverifiable nature and the lack of evidence substantiating its validity.

3. Withdrawal of Consent and Privacy Rights Pursuant to the Privacy Act of 1974 and 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ), I hereby rescind any express or implied consent I may have previously grantedwhether verbal, written, or otherwisefor the collection, sharing, or dissemination of my personal information to any third party, including XXXX XXXX, by XXXX * Equifax XXXX Experian * TransUnion I demand that all dissemination or usage of my personal data for purposes relating to this disputed account cease immediately, and that all unauthorized disclosures be documented and disclosed to me. I request written confirmationthat my request has been processed, and that the disputed item has been deleted from my credit profile.

4. Conclusion and Demand This letter serves as a lawful notice under the FCRA and related federal statutes. Please conduct a full reinvestigation of the account in question. If verification can not be produced, as required by 15 U.S.C. 1681i, the item must be deleted.

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