Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Request for Deletion of Inaccurate and Compromised Information Due to Data Breach and Violation of Consumer Rights ( XXXX ). 

I am writing to formally dispute and request the permanent deletion of specific items from my credit report. These items are either inaccurate, unverifiable, or may have been compromised due to the Equifax data breach. This request is made pursuant to my rights under federal law, including the Fair Credit Reporting Act ( FCRA ), and other relevant legal statutes. 
Items in Dispute : [ 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, Grounds for Dispute and Deletion Request : 1. Violation of 15 U.S. Code 1681e ( b ) Accuracy of Information Equifax is required to follow reasonable procedures to ensure maximum possible accuracy of the information it reports. The disputed items are inaccurate and unverifiable, and therefore must be deleted. 
2. Violation of 15 U.S. Code 1681c ( a ) Obsolete Information If any of the items in question are older than 7 years ( or 10 years for bankruptcies ), they must be removed as they violate statutory time limits. 
3. 15 U.S. Code 1681g Full Disclosure to Consumers I am requesting full disclosure of all information on file under my credit report, including the sources of disputed information. Failure to provide this within 30 days is a violation of the FCRA. 
4. Violation of 15 U.S. Code 1681s-2 ( b ) Duties of Furnishers of Information If the original creditor or furnisher of the information has failed to verify the accuracy of the disputed accounts within the required timeframe, you are legally obligated to delete the information. 
5. Violation of 15 U.S. Code 1681c-1 Fraud Alerts and Identity Theft Protections Due to the well-documented Equifax data breach, there is a possibility that my personally identifiable information ( PII ) was exposed, placing me at increased risk for identity theft. As such, you are required to take additional protective measures. 
6. Violation of My Right to Privacy 5 U.S. Code 552a ( Privacy Act of 1974 ) My right to privacy includes protection from the misuse or mishandling of my personal data. Any continued reporting of potentially compromised or incorrect data violates this protection. 
7. Failure to Notify 15 U.S. Code 1681i ( a ) ( 6 ) If Equifax has previously reinvestigated this data, you are required by law to provide written notice of the results of any reinvestigation. Failure to notify me within 5 business days is noncompliant. 
Requested Action : Immediate deletion of all disputed and unverifiable accounts. 
Written confirmation of deletion. 
Full disclosure of all data sources used to verify the disputed accounts. 
Please note that you are legally required to respond to this dispute within 30 calendar days of receipt under 15 U.S. Code 1681i ( a ). If you fail to respond or continue to report this information without proper verification, I will not hesitate to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. 
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