Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this formal complaint against [ Experian, XXXX, XXXX ] and the following data furnishers for violating my federally protected consumer rights under 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). The accounts listed below contain inaccurate, incomplete, or unverifiable information and have violated my rights to privacy, accuracy, and fair credit reporting : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations Committed & Legal Grounds for Deletion XXXX. Violation of My Privacy Rights 15 USC 1681 These accounts were illegally furnished and reported without my proper authorization, violating my privacy rights under 15 USC 1681. My personal financial information has been mishandled and improperly shared without my explicit consent, warranting immediate deletion.

2. Failure to Assure Maximum Possible Accuracy 15 USC 1681e ( b ) As of my credit report review on XX/XX/year>, I have found multiple inaccuracies related to these accounts. The Fair Credit Reporting Act ( FCRA ) explicitly states : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information. 

Because these accounts contain errors, discrepancies, and unverifiable details, the credit bureaus must remove them immediately under this statute. 

XXXX. Failure to Remove Inaccurate or Unverifiable Information 15 USC 1681i ( a ) ( 5 ) According to the FCRA : After any reinvestigation of any information disputed by a consumer, if an item is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the consumers file ** ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file._ Since these accounts contain inaccurate and unverifiable information, they must be deleted immediately.

4. Furnishing Inaccurate Information 15 USC 1681s-2 It is illegal for a creditor or data furnisher to knowingly report false or unverified information to consumer reporting agencies. Under 15 USC 1681s-2, they are legally required to : Not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Since these accounts have not been properly validated, and errors persist in my reports, this is a direct violation of federal law. 

Requested Action Immediate Deletion of These Accounts Given the violations of federal law, I am demanding that : All the above-listed accounts be permanently deleted from my credit report across all three bureaus ( Experian, XXXX, XXXX ) XXXX 
The involved collection agencies and financial institutions cease all reporting of these accounts immediately. 
A full investigation be conducted into the mishandling of my credit information. 
I receive a written confirmation within 30 days of the actions taken on my behalf. 
Final Notice If corrective action is not taken within 30 days, I will have no choice but to escalate this complaint to : The Federal Trade Commission ( FTC ) State Attorney Generals Office Potential legal representation for damages due to violations of the FCRA I appreciate your prompt attention to this matter and look forward to your response.

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