Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate and Potentially Harmful Account Reporting Report Number : XXXX To Whom It May Concern, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i, regarding multiple accounts appearing on my credit report that are either inaccurate, incomplete, unverifiable, or misleading. I am requesting immediate reinvestigation and deletion or correction of the following entries : 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This account is listed as charged off with a remaining balance of {$1100.00} and numerous derogatory marks. I dispute the charge-off and its current balance. 
2. DEPT OF ED/XXXX XXXX XXXX XXXXXXXX ) Shows 90 days late as of XX/XX/XXXX. I dispute the accuracy of this delinquency. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Reflects multiple 30/60-day late notations in XXXX and XXXX. I request full documentation or deletion if unverifiable. 
XXXX. XXXX XXXX XXXX ( # XXXX ) This account reflects multiple late payments in XXXX prior to closure. I dispute the accuracy of those reports. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of any disputed item, and under 1681i ( a ) ( 2 ), notify the furnishers. If unverifiable, these items must be promptly deleted per 1681i ( a ) ( 5 ).

Further, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request the method of verification for each of these accounts, including the name and contact information of the data furnisher, and any evidence they provided to confirm the negative information. 

In addition, I invoke my right under 15 U.S.C. 1681b to opt out of any unauthorized or third-party data use and demand that no information from my consumer file be shared outside permissible purposes under the law. 

Finally, I must remind you of Experians high-profile XXXX data breach, which exposed over 15 million consumers personal data including SSNs. This breach, alongside subsequent FTC actions and class action lawsuits, highlights Experians failure to safeguard data integrity. I am concerned these negative items could be the result of data compromise or procedural negligence. 

If you are unable to fully verify each of the above accounts with original signed contracts and full payment histories from the creditor, I demand immediate removal of these items. I expect full compliance within 30 days, as required by law. 

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursuit of damages under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX XXXX ( last four ) : XXXX XXXX : XX/XX/XXXX Experian Report # : 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