Consumer complaint received 2025-06-21 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: NV

Complaint narrative:
Subject : Formal Dispute and Deletion Request - Violations of FCRA Under 15 U.S.C. 1681, 1681e ( b ), and 1681i ( a ) ( 5 ) To Whom It May Concern, In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to formally dispute the following accounts currently listed on my credit report. These accounts have violated my federally protected consumer rights, including but not limited to privacy, confidentiality, and the requirement for maximum possible accuracy under the law. 


Disputed Accounts : - XXXX XXXX XXXX | Acct : XXXX | Balance : {$650.00} - XXXX XXXX ( XXXX XXXX ) | Acct : XXXX | Balance : {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) | Acct : XXXX | Balance : {$2000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) | Acct : XXXX | Balance : {$740.00} - XXXX XXXX XXXX XXXX  XXXX ) | Acct : XXXX | Balance : {$1100.00} - XXXX. XXXX, XXXX ( XXXX XXXX  ) | Acct : XXXX | Balance : {$67.00} These accounts violate the following sections of the Fair Credit Reporting Act : - 15 U.S.C. 1681 : My rights to privacy and confidentiality as a consumer have been violated by the inclusion of these items.

- 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. These items do not meet that standard.

- 15 U.S.C. 1681i ( a ) ( 5 ) : After a consumer initiates a dispute, if the information is found to be inaccurate, incomplete, or can not be verified, it must be promptly deleted or modified, and the furnisher must be notified.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from receipt of this letter to conduct a lawful reinvestigation of each disputed account.

If any account can not be 100 % verified with original documentation bearing my wet signature, it must be permanently deleted from my credit report.

Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General 's Office.

I am also prepared to pursue civil action under 15 U.S.C. 1681n and 1681o for any willful or negligent violations of the law. Remedies may include actual damages, punitive damages up to {$1000.00} per violation, and reasonable attorney 's fees.

I expect this matter to be handled promptly, accurately, and in full accordance with federal law. No delay will be accepted.

Action Requested : 1. Reinvestigate each of the above accounts.

2. Delete or correct any item that can not be verified with original signed documentation. 
XXXX. Notify me in writing of the results of your investigation within 30 days. 
4. Immediately delete any unverifiable or inaccurate information as required by 15 U.S.C.

1681i ( a ) ( 5 ) ( A ) ( i ).

I have enclosed : - A copy of my government-issued ID - Proof of address - A copy of my credit report with the disputed items clearly highlighted Thank you for your urgent attention. 
Sincerely, 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