Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I am writing in response to a credit report I recently received, which suggests that I owe you a balance. However, I have not received any documentation to substantiate this claim. I demand that you immediately dismiss all such claims and DELETE any negative or injurious reporting associated with them. 

If the reported item ( s ) lack physical evidence or fail to meet Metro 2 compliance, including but not limited to : factual proof of accuracy, verified ownership, timely and complete reporting, or lawful authorization to report or collect, then you are in violation of federal standards. I demand you show lawful authority to continue conducting business with me as a consumer. 

You have no right to act in dereliction while subjecting me to potential financial harm. If you are unwilling or unable to comply within 20 days of receiving this notice, you must immediately and permanently cease all derogatory actions, including reporting or collecting unverified, inaccurate, or non-compliant debts. 

There is no legal contract or agreement between us that allows you to force any interaction. Continuing to report unverified or false claims may constitute harassment and even extortion, which are criminal offenses. If you proceed with such actions, I will take appropriate legal steps. 

Please acknowledge this notice and confirm deletion of the following accounts within 20 days : Accounts Being Challenged : XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have also identified reporting errors in my credit profile. The following inaccurate personal information must be corrected or deleted immediately : Personal Information Being Challenged : Incorrect DOB : XXXX Incorrect Employer : XXXX XXXX XXXX Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Inquiries Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX exercising my rights under the FCRA and Metro 2 reporting guidelines to demand factually accurate, verifiable, and legally compliant reporting. If you can not provide proof, the items must be permanently deleted. 

This notice will be forwarded to the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) as part of a formal complaint. Your actions appear to violate federal law by reporting false or unverifiable information. 

Finally, under 15 USC 1692e ( 8 ), furnishing or threatening to furnish false credit information especially when the debt is disputed is a violation subject to {$1000.00} per infraction. If you fail to comply, I will pursue all available remedies under the law.

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