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: MT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Montana XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Second FORMAL DEMAND FOR IMMEDIATE REMOVAL OF OUTDATED AND ERRONEOUS INFORMATION ADVERSE ACTION RESULTING FROM YOUR VIOLATIONS To Whom It May Concern, This letter serves as a Second formal demand under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, for the immediate removal of obsolete, inaccurate, and illegally reported information from my credit file. XXXX failure to comply with the legally mandated reporting period has directly resulted in adverse action against me, including the denial of employment opportunitiesan outcome directly attributable to your unlawful reporting practices. 
I am fully aware of my rights under the FCRA, and I will not tolerate XXXX reckless disregard for federal law. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX the Ninth Circuit Court of Appeals reinforced the strict limitations imposed by the FCRA , ruling that consumer reporting agencies can not include certain adverse information beyond the statutory timeframe. Your failure to adhere to these reporting guidelines constitutes willful noncompliance, as outlined in 15 U.S.C. 1681n, exposing XXXX to legal liability for damages, including punitive remedies. 
Because of XXXX negligent and unlawful reporting, I have suffered financial and professional harm, including the loss of employment opportunities due to inaccurate or outdated negative information being improperly included in my consumer report. This is unacceptable, and I demand the immediate deletion of the following erroneous and outdated items from my credit report : Accounts 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 
13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 
16. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
17. There is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
19. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
20. There is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
21. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
22. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX  Account Number : XXXX Please remove it from my credit report. 
23. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 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