Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Subject : Formal Complaint Violations of the Fair Credit Reporting Act ( 15 USC 1681 ) Dear CFPB Officer, This letter is submitted as a formal complaint and request for immediate investigation into the unlawful and negligent conduct of multiple consumer reporting agencies and furnishers of information in violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. ( AGENCYS INVOLVED EQUAFAX, TRANSUNION, EXPERIAN ) .COMPANYS AND THIRD PARTY COLLECTORS AT BOTTOM.

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 all accounts are listed below with exhibits and violations 12 usc 1661 section 602 a states i have a right to privacy .15 usc 1681 section 604 a section 2 state a consumer reporting agency can not furnish without my written instruction. 15 usc 1681 c a ( 5 ) states no consumer reporting agency may make any consumer report containing any of following items of information transcations money 1099 a or c adverse items of information other than records of convictions and crimes which antedates the report by 7 yearts15 usc 1681s 2 a ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause I. Violations of Privacy and Unauthorized Use of My Information In accordance with 15 USC 1681 Section 602 ( a ), I possess the right to privacy and confidentiality regarding the collection and dissemination of my personal credit data.

Furthermore, 15 USC 1681b ( Section 604 ( a ) ( 2 ) ) explicitly prohibits any consumer reporting agency from furnishing a consumer report without my written consent, except under very limited permissible purposes. The following accounts and inquiries appear on my report without my knowledge, authorization, or consent and are therefore in violation : 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates -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 Numerous auto loan and installment finance companies These were added to my credit file without my permission, and I have not signed any consent authorizing the release or sharing of my personal data with these entities. 

XXXX. Obsolete and Adverse Information Reported Over 7 Years Under 15 USC 1681c ( a ) ( 5 ) and further clarified in 1681 ( a ) ( 5 ), no consumer reporting agency may make any report containing adverse items of information other than records of conviction of crimes which antedate the report by more than 7 years. 
Yet, the following derogatory accounts are being reported despite being older than 7 years or having passed the allowable time limit since first delinquency : XXXX XXXX XXXX XXXX ( repossession from XXXX ) CHARGED-OFF CREDIT CARD ACCOUNTS ( XXXX entries ) Multiple collections that have not updated in over 24 months These are clear violations of FCRA reporting limits and must be permanently removed.

III. Furnishers Knowingly Reporting Inaccurate or Misleading Information Per 15 USC 1681s-2 ( a ) ( 1 ) ( A ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 
I have disputed several accounts, and no proper verification or original signed contract has been presented. The following furnishers continue to report inaccurate, unverifiable, or misleading information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These furnishers have violated their legal obligation to report truthful and validated information. 

IV. Remedies Requested As the affected consumer, I am demanding the following immediate actions in accordance with my rights under FCRA and FDCPA : 1. Immediate deletion of all accounts listed above which are inaccurate, unverifiable, or unauthorized.

2. Removal of all credit inquiries made without my written consent.

3. Deletion of all adverse information exceeding the 7-year reporting window.

4. Removal of any third-party collections without verifiable proof of assignment and original signed agreement.

5. Written confirmation of investigation results within 30 calendar days of receipt of this complaint.

V. Supporting Documentation Attached to this complaint are copies of : My full credit report ( s ) A breakdown of violations ( Documented Consumer Law Violations Report ) Supporting letters and documentation per FCRA requirements In Accordance with the Fair Credit Reporting Act ( FCRA ), the List of Accounts Below Has Violated My Federally Protected Consumer Rights CREDIT REPORTING AGENCIES IN VIOLATION In accordance with the Fair Credit Reporting Act, the credit reporting agencies Experian and TransUnion have violated my federally protected consumer rights to privacy, accuracy, and lawful disclosure by reporting and maintaining the accounts listed below.

Violations Include : 15 USC 1681 Section 602 ( a ) : You have violated my right to privacy and confidentiality in the collection and disclosure of my personal data.

15 USC 1681b Section 604 ( a ) ( 2 ) : You have furnished my consumer report and account information without my written consent or permissible purpose.

15 USC 1681c ( a ) ( 5 ) : You have reported adverse items of information that antedate the report by more than 7 years, which is prohibited.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) : You have continued to furnish or maintain information that is inaccurate or unverifiable.

15 USC 1681e ( b ) : You have failed to follow reasonable procedures to ensure maximum possible accuracy of the information on my file.

15 USC 1681i : You have failed to properly reinvestigate disputed items and delete unverifiable information.

Agencies Involved : Experian ( Annual Credit Report ) TransUnion ( Consumer Disclosure File ) These agencies are liable under the FCRA for continued reporting and publishing of data that is unverified, outdated, inaccurate, and not lawfully furnished under federal requirements.

Cited Laws : 15 USC 1681 Section 602 ( a ) Right to Privacy 15 USC 1681b Section 604 ( a ) ( 2 ) No Furnishing Without Written Consent 15 USC 1681c ( a ) ( 5 ) / 1681a ( 5 ) No Reporting Adverse Info Over 7 Years 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Knowingly Reporting Inaccurate Information 15 USC 1681s2 ( f ) Can not Report Info That is Inaccurate or Unverifiable 15 USC 1681e ( b ) Accuracy Requirement 15 USC 1681i ( a ) ( 7 ) Reinvestigation and Notice Requirement 15 USC 1692g FDCPA Validation of Debt Requirement EXHIBIT 1 : CAPITAL ONE AUTO FINANCE Violation : Repossession reported from 2017, re-aged, still reporting as active.

Charge-Off Still Showing Balance : {$9500.00} remaining.

Late Payments Reported While in Default.

No Signed Consent Provided for report or pull.

Violations : 602 ( a ), 604 ( a ) ( 2 ), 1681c ( a ) ( 5 ), 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( f ), 1681e ( b ) EXHIBIT XXXX : XXXX XXXX XXXX Violation : Third-party collector with no signed contract or debt validation. 
Balance Unchanged Since Reported ; no updates. 
Furnishing without proof of assignment from original creditor. 
Violations : 602 ( a ), 604 ( a ) ( 2 ), 1681s-2 ( a ) ( 1 ) ( A ), FDCPA 1692g EXHIBIT XXXX : XXXX XXXX XXXX XXXX XXXX Debt buyer reporting unverifiable collections. 
No written consent or validation provided to report under my name. 
Violations : 602 ( a ), 604 ( a ) ( 2 ), 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ) EXHIBIT 4 : XXXX XXXX XXXX Violation : Charged off, still reports {$590.00} balance. 
Late payments reported prior to charge-off. 
Possible 1099-C issued, yet no correction of account status.

Violations : 602 ( a ), 604 ( a ) ( 2 ), 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( f ), 1681e ( b ) EXHIBIT 5 : XXXX XXXX Violation : Charge-off status yet balance remains active ( {$3300.00} ). 
Unverified inquiry and furnishing. 
Late payments reported without validation. 
No signed consent or contract provided. 
Violations : 602 ( a ), 604 ( a ) ( 2 ), 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ) EXHIBIT XXXX : XXXX XXXX Violation : Collection listed with no original creditor contract. 
No verification of debt ownership or consent. 
Furnishing without permissible purpose. 
Violations : 602 ( a ), 604 ( a ) ( 2 ), 1681e ( b ), FDCPA 1692g EXHIBIT 7 : XXXX XXXX XXXX Violation : Reporting third-party collection with no chain of title or consumer consent. 
No signed contract or validation letter. 
Pretending to be a debt collector without legal authority. 
Violations : 602 ( a ), 604 ( a ) ( 2 ), 1681s-2 ( a ), 1681b, FDCPA 1692g EXHIBIT 8 : XXXX XXXX  Violation : Adverse item still reporting over 7 years. 
Charge-off/closed date exceeds permissible FCRA limits. 
Late payments continue to be reported post-delinquency. 
Violations : 602 ( a ), 604 ( a ) ( 2 ), 1681c ( a ) ( 5 ), 1681s-2 ( f ), 1681e ( b ) EXHIBIT 10 : NAME, DOB, AND ADDRESS INACCURACIES Violation : Multiple versions of name listed ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Outdated/duplicate addresses and inconsistent birthdate formatting.

Violations : 602 ( a ), 1681e ( b ), 1681c ( a ) ( 5 ) EXHIBIT 11 : ILLEGAL REPORTING OF LATE PAYMENTS ( MULTIPLE ACCOUNTS ) Companies with late payments still being reported in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations Cited : 15 USC 1681s2 ( f ) Can not report if inaccurate or unverified 15 USC 1681e ( b ) Must assure maximum accuracy 15 USC 1681i ( a ) ( 7 ) Requires removal after failed reinvestigation EXHIBIT 12 : THIRD-PARTY DEBT COLLECTORS REPORTING WITHOUT CONTRACT OR CONSENT Entities Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : No original signed agreement, no chain of assignment No written consent from consumer to report debt Failed to provide required 30-day validation notice under FDCPA Falsely represent themselves as authorized collectors Cited Laws : 15 USC 1681b No permissible purpose 15 USC 1681e ( b ) Accuracy failure 15 USC 1681s2 ( a ) & ( f ) Knowingly furnishing unverifiable information FDCPA 1692g Debt validation requirement EXHIBIT 13 : CHARGE-OFFS STILL REPORTING AFTER 1099-C ISSUED Accounts Suspected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violations : Account was charged-off and likely issued IRS Form 1099-C ( cancellation of debt ).

Continued reporting of a balance is deceptive and misleading.

No correction or zeroing out of debt reported.

Cited Laws : 15 USC 1681s2 ( a ) ( 1 ) ( A ) Knowingly furnishing inaccurate information 15 USC 1681e ( b ) Failure to maintain maximum accuracy 15 USC 1681i Failure to correct inaccurate data upon dispute

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 non-monetary relief