Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
To Whom It May Concern, This is my second notice regarding unauthorized inquiries and outdated, unverifiable accounts that are still being reported on my credit profile in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the protections guaranteed to me under the United States Constitution.

Despite my previous formal dispute, your agency has returned these accounts and inquiries as " verified '' without providing actual, documented proof of the original source of verification. Let me be clear : stalling, re-verifying without proper validation, and continuing to report inaccurate data is a willful violation of federal law.

I now demand the immediate removal of the following items from my credit report : A. Unauthorized Hard Inquiries ( no written permission given ) : EXPERIAN 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  Under FCRA 611 ( 15 U.S.C. 1681i ), you are legally obligated to delete any item that can not be properly verified within 30 days. Simply checking a computer system is not proof. You are required to provide me with physical documentation used to verify the disputed items. Failing to do so violates my right to due process, and continued reporting may be considered willful noncompliance under FCRA 616 and 617, which opens the door to civil litigation and statutory damages.

Additionally, the continued furnishing and reporting of information that is inaccurate or unverifiable violates my rights under : The Fair Credit Reporting Act The Fair Debt Collection Practices Act The Due Process Clause of the 14th Amendment Let me make this clear : I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General, andif necessaryinitiate legal proceedings for failure to comply. 

If this matter is not resolved within 15 days of receipt of this notice, I will move forward with the following actions without further warning : Filing formal complaints with the CFPB and FTC Initiating a lawsuit for willful noncompliance and emotional damages Submitting all correspondence to the Attorney General for further investigation I expect a full reinvestigation of the disputed items. If you can not produce verifiable, signed documentation from the original creditors or furnishers, you are legally obligated to delete them immediately. 

This letter is written with full awareness of my rights, and I will not hesitate to enforce them to the fullest extent of the law. 

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