Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
AFFIDAVIT OF NON-VERIFICATION & DEMAND FOR REMOVAL OF XXXX ACCOUNT Pursuant to 15 U.S.C. 1681g, 1681g ( e ), 1681i ( a ), 1681i ( a ) ( 6 ) ( B ) ( iii ), and 1681e ( b ) I, XXXX XXXX, being of competent mind and sound capacity, hereby declare under penalty of perjury that the following is true, correct, and made in good faith : 1. IDENTITY OF THE AFFIANT I am the natural consumer and data subject concerning the tradeline being reported under the following account : Creditor Name : XXXX XXXX  Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reporting Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Bureau ( s ) : Experian, Equifax, TransUnion Date Opened : XX/XX/XXXX Reported Balance : {$20000.00} ( as of XX/XX/XXXX ) Pay Status : >Account 120 Days Past Due Date< 2. FORMAL REQUEST FOR DOCUMENTATION UNDER FEDERAL LAW Pursuant to 15 U.S.C. 1681g, I hereby request full disclosure of all data, records, and verification materials that Experian, Equifax, and TransUnion have in their files concerning the above-referenced XXXX account, including but not limited to : The full tradeline data and all internal records ; The original credit application bearing my signature ; The full contract, agreement, or account-opening document ; Any billing statements or records used to verify the debt ; The method of verification used in prior disputes, including the name, address, and telephone number of the person or entity contacted, as required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

3. LEGAL DUTY TO VERIFY BEFORE REPORTING It is established under 15 U.S.C. 1681e ( b ) that a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of information reported.

If the credit bureaus can not provide physical documentation of the original credit application and contract, they have no legal basis to claim verification, and the tradeline must be permanently deleted under 1681i ( a ) ( 5 ) ( A ).

4. VIOLATIONS AND REVERSE BURDEN OF PROOF To date, XXXX XXXX  and the credit bureaus have verified this account multiple times without producing original source documents. The only reasonable conclusion is that no such documents are on file, which : Reverses the legal burden of proof ; Violates consumer protection under the FCRA ; Constitutes systemic negligence or willful noncompliance under 1681n and 1681o. 

XXXX XXXX ( Account No. XXXX XXXX XXXX XXXX XXXX XXXX has been used in part or in whole for personal physical health, wellness, and/or medical-related purposes, including but not limited to : XXXX medical needs ; Physical care and wellness services ; Health-preserving supplements, treatments, or practitioner-related expenses. 

This account, therefore, involves medical privacy protections that are not subject to public commercial reporting under general credit bureau standards.

Under the spirit and enforcement of Rule 5480, which governs confidential handling of medical and physical condition-related financial activity, this account is not a reportable tradeline for the purposes of public credit systems. It constitutes private, sensitive financial data that was not incurred as a commercial credit loan, but instead used in support of protected physical and health-related necessities 5. DEMAND FOR DELETION If no lawful, physical documentation is provided to me within the required statutory time frame, including the original signed application and contract, I hereby demand : Immediate and permanent deletion of the above-referenced XXXX account from all credit files ; Written confirmation of removal sent to me without delay. 
It has no lawful business being reported to or shared with any credit reporting agency.

Its presence causes further emotional XXXX, discrimination, and financial damage to the consumer. 
Its inclusion on my credit file represents a willful intrusion into protected medical activity, and thus constitutes an additional violation of my consumer and civil rights.

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