Consumer complaint received 2025-12-14 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: TX

Complaint narrative:
PERSONAL INFORMATION CORRECTION & DATA MINIMIZATION DEMAND Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Date : [ Insert Date ] Via Certified Mail / CFPB / Online Dispute Portal To : Experian -- - RE : DEMAND TO CORRECT AND DELETE INACCURATE & EXCESS PERSONAL IDENTIFYING INFORMATION FCRA 1681a, 1681b, 1681e ( b ), 1681g, 1681i -- - This letter serves as a formal legal demand pursuant to the Fair Credit Reporting Act ( FCRA ).

You are currently reporting inaccurate, excessive, and unauthorized personal identifying information in my consumer file. This constitutes a violation of your statutory duty to maintain maximum possible accuracy and to limit reporting strictly to information that is verifiable, necessary, and legally permissible. 


-- - DEMAND FOR IMMEDIATE CORRECTION Effective immediately, my credit file MUST reflect ONLY the following personal information : Legal Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX TX XXXX -- - REQUIRED DELETIONS ( NON-NEGOTIABLE ) You are hereby directed to DELETE AND PERMANENTLY REMOVE the following from my credit file : All alternate names, aliases, misspellings, variations, suffixes, or name fragments All prior, secondary, or associated addresses All phone numbers ( past or present ) All employer names or employment history Any personal identifiers not explicitly authorized above Retention or re-insertion of this information after receipt of this notice will be deemed willful noncompliance.

-- - LEGAL BASIS Your obligations are clear : 15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Requires prompt correction or deletion of inaccurate or unverifiable information 15 U.S.C. 1681g ( a ) Limits the scope of personal information that may be disclosed 15 U.S.C. 1681b Prohibits reporting information without a permissible purpose Courts have consistently held that incorrect personal identifiers and mixed files constitute FCRA violations ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 


-- - NOTICE OF LIABILITY Failure to comply within 30 days of receipt of this notice will leave me no choice but to : File formal complaints with the CFPB, FTC, and State Attorney General Preserve evidence for civil litigation Seek statutory, actual, and punitive damages under 15 U.S.C. 1681n and 1681o This letter serves as documented notice. Any continued reporting of unauthorized personal data after receipt will establish knowing and willful noncompliance.

-- - REQUIRED RESPONSE You are required to provide written confirmation that : XXXX. All unauthorized personal identifiers have been deleted, and XXXX. My file reflects ONLY the name and address listed above No reinsertion is authorized without my express written consent. 


-- - Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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