Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as formal notice of dispute regarding the following accounts currently appearing on my credit report : XXXX XXXX XXXX XXXX These accounts are being reported inaccurately, without proper verification, and possibly through unlawful methods. I am fully aware of my rights under federal and California state law, and I am prepared to act on them to the fullest extent. These items must be removed from all credit reporting agencies within XXXX ( XXXX ) business days of receipt of this letter or I will initiate legal action. 

The following federal statutes form the legal basis for this dispute and my forthcoming actions should you fail to comply : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681n Civil liability for willful noncompliance : If these accounts are being reported without proper verification or in violation of the law, you may be subject to statutory and punitive damages as well as legal fees.

15 U.S. Code 1681o Civil liability for negligent noncompliance : Even a failure to exercise due diligence or proper verification opens the door to civil liability.

15 U.S. Code 1681s-2 Responsibilities of furnishers : You are obligated to report only accurate, complete, and verifiable information. Any failure to correct or delete inaccurate or disputed data constitutes a direct violation.

15 U.S. Code 1681b Permissible purpose : If you are furnishing or accessing my consumer report without a legally permissible purpose, you are in breach of federal law.

15 U.S. Code 1681q Obtaining information under false pretenses : If any of the above-listed entities obtained my credit report or personal information under any deceptive or unauthorized circumstance, this is a serious federal offense.

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S. Code 1692e False or misleading representations : Any attempt to misrepresent the status, amount, or legal enforceability of a debt is a federal violation. If either of these furnishers have falsely characterized this debt or its origin, they are in direct violation.

15 U.S. Code 1692d Harassment or abuse : Repeated or aggressive attempts to collect a disputed debtespecially after being notified in writingmay constitute harassment or abusive conduct.

15 U.S. Code 1692f Unfair practices : The continued reporting of unverifiable or disputed information with intent to coerce payment may qualify as an unfair and deceptive practice under federal law.

15 U.S. Code 1692c Communication in connection with debt collection : If I have not consented to communication via certain channels or you have ignored requests to cease contact regarding this alleged debt, you are once again violating federal protections.

Immediate Action Demanded : I am demanding the immediate deletion of these accounts from my credit report across all bureausExperian, Equifax, and XXXX XXXX ( XXXX ) business days. If this is not done, I will take the following actions without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) Submit complaints to the California Department of Financial Protection and Innovation ( DFPI ) Report the matter to the Federal Trade Commission ( FTC ) Retain legal counsel and file suit in federal court under the above-cited statutes I have extensive documentation and legal support in place and will pursue full damagesincluding statutory penalties, attorneys fees, and injunctive reliefshould you continue to report these accounts unlawfully. 

You are hereby put on legal notice. This is your opportunity to correct the situation voluntarily. I strongly suggest you act accordingly.

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