Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
This is now my XXXX and XXXX notice regarding the continued reporting of false, inaccurate, and unverifiable information on my credit file : AFFIRM XXXX - XXXX, AFFIRM XXXX - XXXX, RADIUSGLOBAL - XXXX, AFFIRM XXXX - XXXX, I C SYSTEM - XXXX, XXXX FIN - XXXX XXXX XXXX XXXX ( a ) ( XXXX ) : Permissible Purpose Instruction : Explain the permissible purpose for accessing my credit file in relation to this collection account & DELETE this account immediately. 
Let me be very clear your failure to correct this matter after multiple lawful disputes is no longer just negligence. It is now willful, malicious, and entirely unlawful conduct designed to XXXX  me. 
I am a consumer with rights protected under federal law. I have notified you on XXXX prior occasions and provided every opportunity for you to correct this situation. Instead, you have chosen to ignore your legal obligations, leaving damaging and false information on my credit report. This stops now. 
The following laws are being violated by your continued actions : FCRA Violations : XXXX of XXXX XXXX XXXX XXXX ( b ) : You have willfully failed to ensure maximum possible accuracy. XXXX XXXX. 
XXXX : You failed to conduct a lawful reinvestigation and correct the information within the required time. XXXX XXXX. XXXX : You continue reporting false, unverifiable information, knowingly violating my rights. 
FDCPA Violations : XXXX XXXX. XXXX : You are deceptively misrepresenting the validity of this alleged debt. XXXX XXXX. XXXX : You are engaging in unfair and abusive reporting practices that have caused me financial and emotional harm. 
XXXX Violations : XXXX XXXX & XXXX ( a ) : You are knowingly reporting debts for which there is no legal, verifiable agreement this is outright fraud. 
Intentional Harm & Emotional Distress : Your continued refusal to delete this unlawful entry is causing me extreme emotional distress, anxiety, and financial harm. I have been denied credit opportunities, faced embarrassment, and endured financial instability due to your reckless and illegal actions. 
I want you to understand that your failure to act is not just a violation of technical statutes it is causing real, lasting damage to my life and wellbeing. You are knowingly and willfully violating my consumer rights. 
Case Law Precedent : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : You are required to conduct a truly independent and reasonable investigation parroting creditor information is insufficient and XXXX 
XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Failing to delete inaccurate information after proper notice is a clear FCRA violation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : XXXX to report inaccurate data after consumer dispute constitutes willful noncompliance, subject to full legal damages. 
My XXXX Demands : I demand the immediate and permanent deletion of the above-referenced account ( XXXX ) from my credit report. 
I demand certified proof of verification, including full copies of all original signed contracts, or written confirmation that such documents do not exist. 
I demand written confirmation of full compliance with this demand within XXXX ( XXXX ) business days from receipt of this letter.

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