Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This consumer reporting agency must lawfully delete this account right now today. 
This account already has been removed for my consumer report then re-reported without any lawful explanation. This account is closed. This account has been sent to collections. And I have been unlawfully contact by a third-party collection agency. This data furniture has relinquish their rights to this alleged debt and it must be removed immediatelyAccount Name : XXXXXXXX XXXX XXXX Account number XXXX Account status : closed Date XX/XX/year> This account is in violation of 15 U.S.C. Section 1681e accuracy of reporting. This account has been listed as XXXX  days late The account in question is listed with account number beginning in XXXX, reported as a closed credit card account with a {$2700.00} balance and a {$2000.00} credit limit, opened XX/XX/year> and closed thereafter. 

This reporting contains multiple legal violations and must be permanently deleted from my credit file immediately. 
1. Violation of FCRA Section 602 ( A ) : I have the right to privacy and the right to maintain fair and accurate reporting. Any account that I no longer choose to be reported or which does not reflect complete and accurate information must be removed. 
2. Violation of FCRA Section 611 ( 15 U.S. Code 1681i ) : I am disputing this account. You are required by law to perform a reasonable investigation. If the furnisher can not fully verify every detail ( including the balance, payment history, ownership, authorization, and closure terms ), you must delete it.

3. Violation of FCRA Section 607 ( b ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy. Reporting a balance over the credit limit on a closed account, without full validation, violates this standard. 
4. Violation of the Fair Debt Collection Practices Act ( FDCPA ), if applicable : If this account was sold, transferred, or assigned to a collector, I hereby dispute the entire validity of the debt under 15 U.S. Code 1692g and demand full verification, including the original signed agreement and itemized statement.

5. FACTA Right to Control Reporting : Under the FCRA and FACTA, no account may be reported without ongoing permissible purpose and full consumer consent. This closed account has no current relevance or my consent to remain. 

I am exercising my full rights to limit, suppress, and reject the continued reporting of this item. This is not a request this is a lawful demand for permanent deletion of this disputed item. If not removed, I will file complaints with the CFPB, FTC, and state attorney general, and pursue private legal remedies. 



This account already has been removed for my consumer report then re-reported without any lawful explanation. This account is closed. This account has been sent to collections. And I have been unlawfully contact by a third-party collection agency. This data furniture has relinquish their rights to this alleged debt and it must be removed immediately

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