Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report : 1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all XXXX Bureaus Experian Transunion and XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 2. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all XXXX Bureaus Experian Transunion and XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 3. FDCPA Section 807 Violation Misleading False Reporting Erroneous Account RESULT OF The ExperianData Breach as Direct Violation of The FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs Consumer by law this account Violated US law and Deleting this on my report Immediately is a must.

4. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all XXXX Bureaus Experian Transunion and XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 5. FDCPA Section 807 Violation Misleading False Reporting Erroneous Account RESULT OF The ExperianData Breach as Direct Violation of The FCRA XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 6. FDCPA Section 807 Violation Misleading False Reporting Erroneous Account RESULT OF The ExperianData Breach as Direct Violation of The FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As Consumer by law this account Violated XXXX law and Deleting this on my report Immediately is a must. 
7. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Update to paid on time Immediately! as payment history was never late in Compliance if 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 8. FDCPA Section 807 Violation Misleading False Reporting Erroneous Account RESULT OF The XXXX Breach as Direct Violation of The FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 9. FDCPA Section 807 Violation Misleading False Reporting Erroneous Account RESULT OF The ExperianData Breach as Direct Violation of The FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As Consumer by law this account Violated US law and Deleting this on my report Immediately is a must.

10. FDCPA Section 807 Violation Misleading False Reporting Erroneous Account RESULT OF The ExperianData Breach as Direct Violation of The FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX As Consumer by law this account Violated US law and Deleting this on my report Immediately is a must. 
11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. Unauthorized/Erroneous Account RESULT OF The XXXX  Data Breach Direct Violation of The FCRA Reporting falsely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 12. FDCPA Section 807 Violation Misleading False Reporting Erroneous Account RESULT OF The XXXX Breach as Direct Violation of The FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As Consumer by law this account Violated XXXX law and Deleting this on my report Immediately is a must. 
13. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) Under 15 U.S. Code 1681b Permissible purposes of consumer reports. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 14. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) Under 15 U.S. Code 1681b Permissible purposes of consumer reports. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 15. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) Under 15 U.S. Code 1681b Permissible purposes of consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 16. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) Under 15 U.S. Code 1681b Permissible purposes of consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 17. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) Under 15 U.S. Code 1681b Permissible purposes of consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 18. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) Under 15 U.S. Code 1681b Permissible purposes of consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 19. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) Under 15 U.S. Code 1681b Permissible purposes of consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 20. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) Under 15 U.S. Code 1681b Permissible purposes of consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE THIS ACCOUNT IMMEDIATELY in Compliance of XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 21. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) Under 15 U.S. Code 1681b Permissible purposes of consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 22. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX In addition, this agency is in violation of 15 U.S.C. 1692g, as you failed to notify me in writing within the required five days of your investigation 's initiation. As the original creditor, only I can validate these accounts, and I do not. 

You are required under 15 U.S.C. 1681c-2 ( FCRA 605B ) to remove any adverse information related to identity theft within four business days of receipt. Since you can not provide verifiable proof or any documents with my written signature, this information must be deleted. 

Failure to act within 30 days of receipt of this certified letter will result in further legal action, and I will pursue damages under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1692k for civil liability. You may also be held liable for : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Penalty of Perjury Violations of 15 U.S.C. 1692g and 1692a I do not consent to e-Oscar or any automated means of verification. You are required to provide a detailed description of the procedure used in your investigation within five ( 5 ) days of its completion, and I am keeping a detailed record of your actions, including your Method of Verification. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am also including a copy of this complaint to the following entities : Consumer Financial Protection Bureau Attorney XXXX XXXXXXXX XXXX XXXX XXXX  Federal Trade Commission XXXX among others. 
Please govern yourselves accordingly.

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