Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
XXXX Subject : Formal Dispute, Demand for Verification, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute and demand verification of the following accounts and information being reported on my Equifax credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation and a detailed explanation of the procedures used to verify this information. If verification can not be provided, I demand the immediate deletion of these items from my credit file. 

Disputed Accounts Unverifiable and Must Be Deleted XXXX : Account Number : XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) : Account Number : XXXX XXXX XXXX  : Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX  XXXX : Account Number : XXXX Debt Validation Request Under 15 U.S.C. 1692g, I formally request validation of these alleged debts. This is not a refusal to pay but a demand for verification. You are required to provide : Original Signed Contract A copy of the contract that created the debt.

Proof of Ownership Documentation proving legal ownership of the debt.

Detailed Accounting A breakdown of the principal, interest, fees, and any other charges.

If you can not provide these documents, the accounts must be deleted from my credit file.

Cease-and-Desist Notice I am invoking my rights under the FDCPA to demand that all further communication regarding these alleged debts cease immediately. The only permissible form of contact shall be through written correspondence sent to the mailing address listed above. No contact by phone, email, text, or any other means is authorized. Additionally, no contact with family, friends, or third parties is permitted. 

Personal Information Update Request Please update my personal information to reflect the following : Correct Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/year> Additionally, please delete all outdated and incorrect personal information, including : All incorrect name variations. 

All undeliverable and previous addresses. 

All employers listed on my report. 

Method of Verification & Legal Compliance Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide : The exact method of verification used to validate the accuracy of each disputed account. 

A complete description of the procedures followed during your investigation. 

Copies of all documentation used to validate the accuracy of these accounts. 

If you can not verify the disputed accounts within 30 days, you must delete them from my credit file as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Legal Notice & Potential Litigation Failure to comply with my request will result in legal action for violations, including but not limited to : Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n ( a ) and 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) ).

Actual damages for emotional distress, harm to my credit, and loss of credit opportunities.

Punitive damages for willful noncompliance.

Attorneys fees and legal costs. 

I expect your full compliance within 30 days of receiving this letter. Failure to comply will result in immediate legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA 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