Consumer complaint received 2025-01-19 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: CT

Complaint narrative:
Subject : Dispute for Immediate Deletion of Accounts in Violation of Federal Law Dear XXXX, XXXX, and Experian, I am writing to formally dispute and demand the immediate deletion of the accounts listed below, as they are in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). These accounts are inaccurately reported, inconsistent, and include derogatory information that is either outdated, unverifiable, or otherwise incorrect. 
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 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 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 Legal Violations and Request for Immediate Deletion : These accounts are reported in direct violation of my consumer rights under the FCRA. Specifically, these accounts violate the following provisions : 1. Violation of Privacy and ConfidentialityUnder 15 USC 1681 ( a ) ( 1 ) ( A ), I am entitled to privacy and confidentiality regarding my consumer report. The unauthorized or inaccurate reporting of these accounts infringes upon my rights and must be removed.

2. Failure to Obtain Written Consent for DisclosureAccording to 15 USC 1681b ( a ) ( 2 ), no consumer reporting agency can furnish a report without my written consent, except under specific conditions. These accounts have been disclosed without my explicit authorization, violating my rights. 
3. Prohibited Reporting of Outdated InformationUnder 15 USC 1681c ( a ) ( 5 ), consumer reporting agencies can not include information older than seven years, with the exception of criminal convictions. If any of these accounts contain outdated information, they must be deleted immediately.

4. Inaccuracy of InformationAs per 15 USC 1681s-2 ( a ) ( 1 ), information reported to consumer reporting agencies must be accurate. These accounts contain inaccuracies and can not be verified, and therefore must be removed from my credit report.

5. Failure to Maintain Accurate ReportingUnder 15 USC 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information reported. These accounts have not been verified as accurate and should be removed accordingly. 
Demand for Immediate Action : Due to the violations of the above legal requirements, I request the immediate deletion of these accounts from my credit report. The reporting of these accounts is an invasion of my privacy and a violation of my constitutional rights. I expect prompt action to remedy these inaccuracies in compliance with the FCRA. 
Please provide written confirmation of the deletion of these accounts and send me a copy of my updated credit report for verification purposes. 
Thank you for your prompt attention to this matter. 
Sincerely,

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