Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Date : XX/XX/XXXX Via Consumer Financial Protection Bureau CFPB.GOV - Return Receipt Requested From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX : XXXX XXXXXXXX XXXX XXXX  COMPREHENSIVE DISPUTE OF INACCURATE, INCOMPLETE, OBSOLETE INFORMATION ; IDENTITY THEFT AND NOTIFICATION ; DEMAND FOR COMPLETE REMOVAL OF ADVERSE INFORMATION I. INTRODUCTION AND LEGAL AUTHORITY This letter serves as formal notification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding immediate investigation and removal of ALL inaccurate, incomplete, unverifiable, and obsolete information from my credit report. I am providing formal notification of identity theft and XXXX XXXX victimization under federal and state consumer protection laws. LEGAL NOTICE : This dispute encompasses ALL negative information on my credit report including but not limited to : collections, charge-offs, inquiries, public records, adverse payment histories, and outdated personal information. II. COMPREHENSIVE VIOLATIONS OF FEDERAL AND STATE LAW Your reporting of the disputed items violates multiple federal and state statutes : Fair Credit Reporting Act ( 15 U.S.C. 1681c ) - Reporting obsolete information beyond statutory time limits Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) - Failure to follow reasonable procedures to ensure maximum possible accuracy Fair Credit Reporting Act ( 15 U.S.C. 1681i ) - Improper dispute investigation procedures Debt Bondage Repair Act ( 15 U.S.C. 1681c-1 ) - Reporting adverse information resulting from XXXX XXXX Michigan Credit Services Protection Act ( MCL 445.1823 ) - State law violations regarding credit reporting Michigan Consumer Protection Act ( MCL 445.903 ) - Unfair and deceptive practices III. IDENTITY THEFT NOTIFICATION FEDERAL AUTHORITY : : I hereby formally notify you that I am a victim of IDENTITY THEFT. The following accounts, inquiries, and information were obtained, opened, or used without my knowledge or consent All credit accounts listed in bankruptcy discharge and the bankruptcy record Unauthorized hard inquiries Collection accounts opened by third parties DEPT OF EDUCATIONXXXX 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 XXXX XXXX XXXX XXXX IMMEDIATE ACTION : Under the Debt Bondage Repair Act and FCRA 1681c-1, you are PROHIBITED from furnishing consumer reports containing adverse information that resulted from my victimization. You must immediately BLOCK all related information from my credit file permanently. V. HARD INQUIRY DISPUTES- UNAUTHORIZED AND IMPERMISSIBLE LEGAL AUTHORITY : 15 U.S.C. 1681b - Permissible purposes for credit reports DISPUTED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The above inquiry was made without : Written authorization as required under FCRA Permissible purpose under 15 U.S.C. 1681b Proper consent procedures CASE LAW : XXXX XXXX XXXX XXXX XXXX XXXX - Unauthorized inquiries violate FCRA and create liability for actual and statutory damages. DEMAND : Remove this unauthorized inquiry immediately and provide documentation of permissible purpose. VI. COLLECTION ACCOUNTS- UNVERIFIED AND POTENTIALLY FRAUDULENT The following collection accounts lack proper verification and violate FCRA accuracy requirements : DEPT OF 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 XXXX XXXX XXXX XXXX XXXX original creditor information provided No verification of debt validity Potential identity theft-related accounts Incomplete reporting violating 15 U.S.C. 1681e ( b ) DEMAND : Remove all collection accounts or provide complete validation including original creditor statements, payment history, and proof of legal right to collect. VII. PERSONAL INFORMATION DISPUTES- INACCURATE AND OBSOLETE A. Name Variations ( Inaccurate ) REMOVE : " XXXX XXXX XXXX '' - Not my legal name REMOVE : " XXXX XXXX XXXX '' - Not my legal name XXXX Obsolete Addresses ( Beyond Useful Reporting Period ) REMOVE : XXXX XXXX XXXX, XXXX, MI XXXX REMOVE : XXXX XXXX XXXX, XXXX, MI XXXX REMOVE : XXXX XXXX XXXX XXXX, XXXX, MI XXXX REMOVE : XXXX XXXX XXXX, XXXX, MI XXXX XXXX Outdated Employment Information REMOVE : " XXXX XXXX XXXX '' - No longer current employer violates FCRA accuracy requirements as : This violates 15 U.S.C. 1681e ( b ) accuracy requirements. XII. APPLICABLE CASE LAW SUPPORTING REMOVAL Cushman v. Trans Union Corp. ( 2000 ) - CRAs must delete unverifiable information Ramirez v. TransUnion - Liability for maintaining inaccurate information after dispute Bingham v. Collection Bureau , Inc. - Debt collectors must provide complete verification Nelson v. Chase Manhattan Mortgage Corp. - FCRA requires maximum possible accuracy Stevenson v. TRW Inc. - CRAs liable for willful non-compliance with investigation duties XIII. MICHIGAN STATE LAW VIOLATIONS A. Michigan Credit Services Protection Act ( MCL 445.1823 ) Reporting inaccurate information that can not be corrected violates state consumer protection laws. B. Michigan Consumer Protection Act ( MCL 445.903 ) Unfair and deceptive practices in credit reporting create additional state law liability. C. Michigan Statute of Limitations 6-year limitation period on debt collection XIV. DEMANDED ACTIONS - COMPLETE REMEDIATION REQUIRED YOU MUST IMMEDIATELY : REMOVE COMPLETELY : All accounts included in XXXX XXXX  bankruptcy discharge All collection accounts lacking proper verification All unauthorized hard inquiries All charge-off accounts with XXXX balances All inaccurate personal information ( names, addresses, employment ) BLOCK PERMANENTLY : All information resulting from XXXX XXXX  victimization All identity theft-related accounts and inquiries CORRECT OR DELETE : Any remaining accounts with inaccurate payment histories Any incomplete or unverifiable information PROVIDE DOCUMENTATION : Verification for any information you refuse to remove Written confirmation of all deletions and corrections XV. LEGAL CONSEQUENCES FOR NON-COMPLIANCE STATUTORY DAMAGES : Failure to comply within 30 days will result in legal action seeking : FCRA Violations : Willful non-compliance : $ XXXX {$1000.00} per violation ( 15 U.S.C. 1681n ) Negligent non-compliance : Actual damages ( 15 U.S.C. 1681o ) Attorney 's fees and costs ( 15 U.S.C. 1681n ( a ) ( 3 ) ) Michigan State Law : Consumer Protection Act violations : Treble damages Additional statutory penalties under state law XXXX XXXX Violations : Additional federal penalties under Debt Bondage Repair Act Civil rights violations under federal law XVI. NOTICE OF REPRESENTATION AND LEGAL ACTION NOTICE : I am represented by counsel in this matter. Any future communications regarding this dispute must include my legal representation. Failure to properly investigate and remove the disputed information within 30 days will result in immediate federal and state legal action seeking maximum damages allowed by law. XVII. REQUIRED RESPONSE You must investigate and respond to this comprehensive dispute within 30 days pursuant to 15 U.S.C. 1681i. Provide : Written confirmation of all deletions and corrections Updated credit report showing all changes Documentation supporting any information you refuse to remove Notification to all furnishers of disputed information XVIII. CERTIFICATION AND SUPPORTING DOCUMENTATION I certify under penalty of perjury that the information in this dispute is true and accurate. I am the individual to whom this credit report pertains. DOCUMENTATION ENCLOSED : Copy of driver 's license ( proving correct legal name ) Copy of Social Security card Identity theft affidavit XXXX XXXX  victimization documentation Current address verification FINAL NOTICE : This dispute letter constitutes formal notice of inaccurate reporting, identity theft, XXXX XXXX victimization, and demand for complete remediation under federal and state consumer protection laws. Your failure to comply will result in aggressive legal action seeking maximum statutory damages, actual damages, punitive damages, attorney 's fees, and injunctive relief. XXXX XXXX XXXX Consumer Protected Under FCRA and State Law This comprehensive dispute incorporates all rights under federal Fair Credit Reporting Act, Michigan Consumer Protection Act, and Michigan Credit Services Protection Act. Legal action will be pursued for any violations of consumer protection laws

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