Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Unlawful Collection Reporting by XXXX XXXX Account Number : XXXX To Whom It May Concern, I am formally disputing the inaccurate and unauthorized collection account reported by XXXX XXXX, as shown on my Experian credit report with an opening date of XX/XX/year>. This reporting is unlawful, unverified, and constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

Please take notice of the following : 1. No Contract or Consent Given : I have no contractual relationship with XXXX XXXX and did not authorize them to access, collect, or report any account on my personal credit file. Any third-party access to my personal financial data without my consent is a clear violation of my privacy rights and federal law. 
2. Demand for Documentation : I hereby demand the following documents be provided as required under federal law and your duties to maintain accurate records : The original contract agreement or application bearing my wet signature, authorizing any debt or collection obligation. 
The complete chain of title, proving legal ownership, assignment, or lawful transfer of any alleged debt from the original creditor to XXXX XXXX. 
Proof that XXXX XXXX has legal standing and permissible purpose under 15 U.S. Code 1681b to report or collect on this alleged debt.

3. Violation of FCRA Inaccurate and Unverifiable Information : Experian has a duty under 15 U.S. Code 1681e ( b ) to ensure the accuracy and verifiability of all information it reports. An account allegedly opened in XX/XX/year> and already reported as past due by XX/XX/year> raises serious questions of falsification, as it is inconsistent with standard billing and reporting cycles. 
4. Defamation and Injury : The continued reporting of this unlawful collection entry has caused defamation of my character, injury to my personal and professional reputation, and interference with my access to credit and economic resources. This has resulted in damages to my livelihood. 
5. Legal Notice of Intent : If this account is not permanently deleted from my Experian credit report within thirty ( 30 ) days of your receipt of this notice, I will pursue legal action for violations under 15 U.S. Code 1681n ( willful noncompliance ), 1681o ( negligent noncompliance ), and applicable defamation and consumer protection laws.

Demand for Immediate Action : I demand immediate removal of this account from my credit file and written confirmation of such action. I also demand the full documentation requested above be provided for my review. Absent full compliance, I will pursue all lawful remedies available to me. 

Sincerely, XXXX, XXXX XXXX XXXX, Executor of XXXX XXXX XXXX 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