Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
Improper Use of My Credit Report and Improper Credit Reporting Statement and Legal Notice To Whom It May Concern : I, XXXX XXXX, am writing to formally dispute the inaccurate and improper reporting of a late payment on my consumer credit file. This statement serves as official notice that the reporting in question is either inaccurate, unverifiable, outdated, or reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. and/or usage of my consumer credit information, as protected under federal law. This document serves as an official notice of my awareness of the violation ( s ) and my intention to enforce my rights under applicable statutes. 

I. Improper Access and Use of My Credit Report Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a consumer report may only be accessed under specific permissible purposes. I have identified XXXX or more instances in which my credit report was accessed or used without my authorization or a legally permissible purpose, which constitutes a violation of this federal law. 

Cited Law : 15 U.S.C. 1681b ( f ) A person shall not use or obtain a consumer report for any purpose unless it is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 

Any unauthorized inquiry or access may constitute a willful or negligent violation of the FCRA, which is actionable and subject to statutory damages, actual damages, punitive damages, and attorneys fees.

II. Improper Reporting of Inaccurate or False Information Under 15 U.S. Code 1681s-2, furnishers of information to credit reporting agencies have a legal obligation to ensure the accuracy and integrity of the data they report. If inaccurate, unverifiable, obsolete, or misleading information has been reported or re-reported on my credit file, this is a direct violation of FCRA requirements.

Cited Law : 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires credit bureaus to delete or correct inaccurate, incomplete, or unverifiable information within 30 days of a dispute.

III. Demand for Remedy and Accountability I demand the following actions be taken within 15 calendar days of receipt of this notice : Identify and disclose the party ( ies ) responsible for the unauthorized access or furnishing of information.

Provide written verification of the permissible purpose for any credit pulls or furnishings in question.

Delete or correct any inaccurate, unverifiable, or unauthorized entries in full compliance with the FCRA.

Cease and desist all further unauthorized access or reporting regarding my credit file.

Failure to comply may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action seeking all remedies available under the law, including damages and injunctive relief. 

IV. Reservation of Rights I reserve all rights, without prejudice, to pursue further administrative, civil, or legal action as necessary to protect my identity, privacy, and credit reputation. 

Signed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX, TX, 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