Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( NY ) XXXX TODAY IS : XXXX SSN ; XXXX XXXX XXXX XXXX RE : Urgent request for lawful corrections to all inaccuracies Dear Compliance Services Team ; Having conducted a thorough evaluation of my credit information tied to your institution, I have found errors in reporting that disregard my consumer rights to a completely correct, genuine, full, up-to-date, and timely credit report consisting only of substantiated or proven details, whether favorable, unfavorable, or neutral.

I require the total withdrawal of all flawed credit entries currently impacting my file per FCRA 611 ( c ) ( 15 U.S.C. 1681i ) and consistent with CFPB v. First National Credit Bureau ( XXXX ) ( Consent Order ) regarding timely corrections 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 XXXXXX/XX/XXXX Abrogate The mentioned data is inaccurately recorded and must be deleted right away, take action now!

I require that your institution expunge all flawed credit entries in compliance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) notification requirements.

Its with real disappointment that I have to keep pushing on these inaccuracies. You'd think, with all the scrutiny on the credit reporting industry lately Like the CFPB 's been quite active in addressing issues like the headlines about settlements and fines against those who don't play by the rules like the recent action against each of the major 3 credit reporting agencies aka the so-called TEE CRAs. As examples ( 1 ) CFPB Orders XXXX to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors, ( 2 ) On XX/XX/XXXX, the Bureau filed a lawsuit against Experian Information Solutions , Inc., alleging that Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files ; failing to delete inaccurate, incomplete, or unverified information in consumer credit files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information Experian reports on consumers, and more even. Literally, CFPB sues Experian for sham investigations! Plus, in XXXX, the Consumer Financial Protection Bureau ( CFPB ) took several actions against credit bureaus, including XXXX for violations of consumer financial protection laws. These actions focused on issues like inaccurate credit reports, failures to timely address security freezes, and the reporting of debts, particularly misreported medical debt. This led to a huge XXXX fine for inaccurate eviction records. And more, the CFPB took actions against data brokers, proposing a rule to clarify that data brokers ARE subject to the Fair Credit Reporting Act ESPECIALLY when they sell sensitive consumer information. that basic accuracy would be a given. Yet here we are. These errors are impacting my life, and I need your firm commitment to investigate and rectify them immediately. Its about more than just my report ; its about ensuring the system works as it should for everyone. 
I respectfully close with sincerity! 

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