Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate and unauthorized entries listed on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. These false or unverifiable items are damaging my credit profile and financial standing. As a consumer, I have a legal right to a fair, accurate, and substantiated credit file. Therefore, I am requesting the immediate deletion of these accounts and inquiries due to their failure to comply with federal standards of accuracy, verification, and permissible purpose.

The following entries appear on my credit report without proper validation or compliance with the laws that govern credit reporting : XXXX  ( # XXXX ) shows a balance of {$740.00} and is listed as a collection account opened on XX/XX/XXXX. This account has never been validated nor have I received proper notice under FDCPA 1692g ( a ). 

XXXX XXXX XXXX ( # XXXX ) lists a high balance of {$530.00} with reported late payments on an account opened XX/XX/XXXX. These delinquencies are erroneous and damaging, especially as I have not received proof of the accuracy or legality of these claims. 

XXXX XXXX ( # XXXX ) opened on XX/XX/XXXX and reported with a high balance of {$580.00} and late payments, which are not supported by accurate documentation or proper notice under the FCRA. 

In addition, my report lists the following hard inquiries, which I do not recognize and for which I did not grant permissible purpose or written authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were neither initiated by me nor supported by a permissible purpose under FCRA 1681b. Under this statute, no party may access my credit file without my explicit consent or a certified legitimate business need. These entries must be removed immediately.

The aforementioned errors not only violate FCRA 1681e ( b ), which mandates maximum possible accuracy, but they also constitute willful noncompliance actionable under 1681n. Each unverified or inaccurate entry inflicts tangible harmdenial of credit, elevated financial XXXX, and reputational damage. The FDCPA further protects me from false representation and unauthorized collection behavior under 1692d and 1692c, including repeated unauthorized contact and false credit reporting. 

Please take notice that I am demanding the complete removal, not correction, of the accounts and inquiries referenced. These entries are unverified and materially misleading. Additionally, I invoke my right to no further contact unless you respond in writing and fully comply with 15 U.S.C. 1692g ( a ) and 1681i ( a ).

This is a formal warning that failure to remove these items within ten ( 10 ) days from receipt of this letter will be regarded as a knowing and willful violation of federal law, actionable under 15 U.S.C. 1681n. You are hereby put on notice of your legal obligation to perform a good-faith investigation and respond in compliance with federal regulation.

Do not send generic stall letters. Per FCRA regulations, each dispute must be addressed individually and based on its merits. Any attempt to delay processing based on assumptions about third-party assistance will be considered a willful violation under 15 U.S.C. 1681n.

I AM FAMILIAR WITH THE LAW & I KNOW IT IS IN MY RIGHT TO HAVE 3RD PARTY SOFTWARE HELP WRITE MY DISPUTES!

If necessary, I am prepared to escalate this dispute to the Consumer Financial Protection Bureau and other regulatory bodies. Please confirm in writing that the disputed entries have been removed. I have enclosed a copy of my photo ID and proof of address to aid in processing.

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