Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
FORMAL CONSUMER DEMAND LETTER To : Consumer Financial Protection BureauFrom : XXXX XXXX XXXX : Formal Demand for Immediate Deletion of Inaccurate, Incomplete, and Unverified Credit Reporting Data I, XXXX XXXX, hereby demand that the CFPB enforce the removal of all inaccurate, incomplete, and harmful reporting related to the XXXX  account currently being reported by XXXX Experian, and XXXX  This letter serves as a formal complaint and demand under 15 USC 1681 and its related subchapters. 
After thorough review, the following * * confirmed violations * * of federal law and rights under the Fair Credit Reporting Act ( FCRA ) and Gramm-Leach-Bliley Act ( GLBA ) have been identified : * * 1. Discrepancies and Violations by Credit Reporting Agencies ( CRAs ) : * * - Different creditor names across bureaus : Experian and XXXX list " XXXX, '' while XXXX  reports " XXXX XXXX XXXX '' - violating 15 USC 1681a ( d ) ( 1 ) ( 2 ) ( A ) ( i ).- Inconsistent payment history : Experian shows 20 negative months, XXXX  only 17, and XXXX XXXXXXXX Status inconsistencies XXXX XXXX reports " Involuntary Repossession, '' Experian includes charge-off details ( {$5700.00} ), and XXXX omits this.- Classification disparity XXXX Auto Loan ( Experian ) vs. XXXX XXXXXXXX XXXX XXXX XXXX ).- Contact information discrepancies between CRAs. 
These inconsistent and unverifiable reports directly contradict FCRA mandates for accuracy and verifiability. Per * * 15 USC 1681i ( a ) * *, a CRA must delete inaccurate data that can not be verified.

* * 2. Verification Failures : * * These CRAs and data furnishers rely on * * automated systems like E-Oscar and Metro-2 * *, not sworn affidavits under penalty of perjury, to verify data. Such procedures fail the verification standard required by law. 
The use of automation or hearsay to verify data violates the legal standard of * * '' verified '' as defined in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " the word 'verified ' imports a verity attested by the sanctity of an oath. '' These bureaus failed to obtain or produce a sworn statement under oath, invalidating the reinvestigation process. 
* * XXXX. Violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( B ) : * * There was no opportunity given to opt-out before my personal data was shared with third-party furnishers, a clear violation of my privacy rights. 
* * 4. 15 U.S.C. 1681a ( d ) Consumer Report Violations : * * Late payments and other account experiences reported between me and XXXX do not qualify as third-party consumer report data and should not be on my report. 
* * 5. Defamation and Injury : * * This unverified, false, and misleading reporting causes severe financial hardship, denial of credit, damaged reputation, emotional distress, inability to obtain adequate housing, and discrimination in commerce. This is a direct violation of the equal access principle that this nation is built upon. 
* * 6. Charged-Off Balance Reported as Debt Instead of Income ( IRS Publication 4681 ) : * * Experian shows a balance of {$5300.00} with a charge-off of {$5700.00}, suggesting the account was cancelled. Under IRS rules, such cancellation must be reported on Form 1099-C as income - not debt. 
Thus, reporting this as " debt '' while it is cancelled and likely deducted by the creditor violates both tax and credit reporting regulations. This conflict violates 15 USC 1681a ( d ) due to presenting inaccurate, misleading, and materially false information to data furnishers. 
* * DEMAND FOR ACTION : * * I demand the immediate removal of this XXXX  account from all three CRAs : Experian, XXXX XXXX XXXX  Their failure to verify under oath, coupled with reporting inaccuracies and tax law violations, make continued reporting legally untenable. 
Please act immediately to ensure compliance. Provide a written response within 15 days acknowledging this demand and confirming resolution steps. 
Respectfully, XXXX XXXX [ Your Signature ] SSN ( Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpectfully submitted, 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