Consumer complaint received 2025-05-16 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX\nDOB: XX/XX/XXXXnSSN: XXXX\n\nXX/XX/XXXX\n\nSubject: LEGAL DEMAND FOR DELETION OF INACCURATE INFORMATION  CFPB COMPLAINT SUBMISSION\nTo Whom It May Concern,\nThis correspondence serves as a formal legal dispute under the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and IRS Publication 4681, regarding the false personal identifiers and unverified derogatory account information currently being reported on my credit file.\nThe inaccurate data listed below has caused harm to my financial standing and personal credibility. It must be removed immediately, or this matter will be escalated to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and Ohio Attorney General.\nSECTION 1: WRONG ADDRESSES  ILLEGAL REPORTING OF IDENTITY INFORMATION\nThe following addresses do not belong to me, have no connection to my verified identity, and constitute unlawful misreporting under FCRA  1681e(b) and  1681c-2:\n\tXXXX XXXX XXXX XXXX OH XXXX\nXXXX XXXX XXXX XXXX OH XXXX\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX (variant)\nViolation: FCRA  1681c-2 and  1681e(b)  Maintaining false identifying information risks identity confusion and fraud.\nDemand: Immediate and permanent deletion of all above-listed addresses.\nSECTION 2: DISPUTED ACCOUNTS  VIOLATIONS OF FCRA, FDCPA, AND IRS GUIDANCE\nEach of the following tradelines is reported without proper verification, without documented evidence, or in violation of federal law:\XXXX XXXX\nAccount #: XXXX\nDate Opened:XX/XX/XXXX\nMonthly Payment: XXXX\nStatus: Late Payment\nIssue: This mortgage account reports late payments but fails to provide a payment ledger or contractual proof. The reporting lacks documentation and violates FCRA  1681s-2(b) and  1681e(b). If servicing errors occurred, failure to correct them violates RESPA as well.\nXXXXAccount #: XXXX\nDate Opened: XX/XX/XXXXnBalance: XXXXnStatus: Charge Off\nIssue: This charge-off was never validated. No original contract or billing ledger has been provided. If this debt was settled or canceled over XXXX, IRS rules mandate a Form 1099-C, meaning the account is not collectible. Reporting this balance as owed is deceptive and violates both FCRA  1681s-2(b) and IRS Publication 4681.\nXXXX XXXX\nAccount #: XXXXnDate Opened: XXXXBalance: Not Reported\nStatus: Charge Off\nIssue: This account is outdated and possibly beyond the 7-year reporting window under FCRA  1681c. Furthermore, no contract or validation has ever been received. Continued reporting without consumer verification is unlawful.\nLEGAL STANDARDS VIOLATED\nYou are currently in violation of the following:\n\tFCRA  1681e(b): Inaccurate or unverifiable data must not be reported\n\tFCRA  1681i: You must conduct timely and complete reinvestigation upon dispute\n\tFCRA  1681s-2(b): Data furnishers must correct or delete unverifiable data\n\tFCRA  1681c-2: Consumers may block incorrect identity data\n\tFDCPA  809(a): Validation of debt is required upon consumer request\n\tIRS Publication 4681 / 1099-C: Charged-off debt treated as income cannot be collected or reported as due\n\tGLBA Privacy Rule & FTC Act Sec. 5: Mishandling consumer identity and credit data is unlawful\n10-DAY LEGAL DEMAND FOR ACTION\nYou are hereby provided 10 calendar days to:\n1.\tPermanently remove all wrong addresses listed in Section 1\n2.\tDelete or fully validate each account listed in Section 2\n3.\tMark all disputed items as such in the credit report during investigation\n4.\tProvide written confirmation and an updated credit report free of charge\nFailure to comply will result in:\n\tA formal complaint with the CFPB and FTC\n\tA case filed with the Ohio Attorney General\n\tLegal action under FCRA  1681n and 1681o for actual and punitive damages\nSincerely,\nXXXX XXXX XXXX XXXXn\nCC:\nConsumer Financial Protection Bureau (CFPB)\nFederal Trade Commission (FTC)\nLegal File'

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