Consumer complaint received 2025-05-16 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: MD

Complaint narrative:
b'XXXX XXXX\nXXXX XXXX XXXX XXXX Maryland XXXX\nDOB: XXXX\nSSN: XXXXXXXXn\nXXXX\n\nSubject: IMMEDIATE LEGAL DISPUTE  CREDIT REPORT INACCURACIES, VIOLATIONS OF FEDERAL LAW, AND DEMAND FOR PERMANENT REMOVAL\n\nTo Whom It May Concern,\nI am demanding immediate removal of fraudulent personal information and illegally reported account data that continues to appear on my credit profile. These items were never authorized, never verified, and have caused measurable harm to my financial livelihood. You are legally required to cease and desist from reporting any inaccurate, unverifiable, or misleading information under federal law.\nThis is a formal CFPB complaint submission, and failure to act will trigger civil action, financial penalties, and regulatory escalation.\nSECTION 1: UNAUTHORIZED ADDRESSES  IDENTITY VIOLATION\nYou are illegally reporting the following false and misleading addresses. These locations have no connection to me, were not authorized, and pose a significant risk to my privacy and credit identity:\n\tXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX\n\t1XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nViolations of Law:\n\tFCRA  1681e(b): Failure to report with maximum accuracy\n\tFCRA  1681c-2: Right to block inaccurate identifying information\n\tFTC Act Sec. 5: Unfair, deceptive use of consumer identity\nDEMAND: These addresses must be deleted immediately and permanently.\nSECTION 2: UNVERIFIED & ILLEGALLY REPORTED ACCOUNTS\nThe following accounts are being reported with no lawful basis, no documentation, and in direct violation of federal consumer law. You are legally prohibited from reporting accounts that are not fully validated or supported by original documentation.\nLXXXX XXXX XXXX\nAccount #: XXXX\nDate Opened: XXXX\nBalance: $XXXX\nStatus: Charge-Off\nIssue: This charge-off is unlawfully reported without providing the original application, signed agreement, payment ledger, or validation. It violates FCRA  1681s-2(b) and  1681e(b). Continued reporting without these documents constitutes willful noncompliance and will be treated as such under FCRA  1681n.\nXXXX XXXX\nAccount #: XXXX\nDate Opened: XXXX\nBalance: XXXX\nStatus: Charge-Off\nIssue: XXXX has failed to provide validation, ownership proof, or consumer authorization. This account may also be misclassified if canceled or settled, violating IRS Publication 4681 and 1099-C obligations. Reporting it as active is a misrepresentation of debt under the law.\nXXXX XXXX XXXX XXXX\nAccount #: XXXX\nDate Opened: XXXXXXXX\nBalance: XXXX\nStatus: Charge-Off\nIssueXXXX XXXX is reporting a charge-off balance with XXXX  evidence of legal debt, no wet-ink contract, and no account history. This is a clear violation of FCRA  1681i and a breach of your duty to validate under FCRA  1681s-2(b). If canceled, it must not be reported as collectible under IRS rules.\nSECTION 3: LEGAL FRAMEWORK\nYour reporting and handling of my data violates the following laws:\n\tFCRA  1681e(b): You are obligated to ensure that all information is accurate and verifiable.\n\tFCRA  1681i: You must reinvestigate any disputed item within 30 days.\n\tFCRA  1681s-2(b): Data furnishers must investigate and correct or remove unverifiable data.\n\tFDCPA  809(a): Collectors must validate debt when challenged.\n\tIRS Publication 4681 / Form 1099-C: Once a debt is canceled or charged off, it is incomenot collectible.\n\tGLBA Privacy Rule / FTC Act Section 5: Improper use or exposure of private consumer data is illegal.\nYou have zero legal grounds to continue reporting these accounts in their current form. This constitutes reckless disregard for federal consumer protections.\nFINAL DEMAND  10 DAYS TO COMPLY\nYou are hereby given 10 calendar days from receipt of this notice to:\n1.\tDELETE all false addresses listed above\n2.\tREMOVE all unverified accounts that lack original contracts and full documentation\n3.\tCONFIRM in writing that these corrections have been completed\n4.\tPROVIDE a free, updated credit report reflecting the corrected data\nFailure to fully comply within 10 days will result in:\n\tImmediate escalation to the CFPB, FTC, and Maryland Attorney General\n\tFiling of a civil lawsuit under FCRA  1681n for willful noncompliance\n\tDemand for statutory damages, attorney fees, and actual harm compensation\nSincerely,\nXXXX XXXX\n\nCC:\nConsumer Financial Protection Bureau (CFPB)\nFederal Trade Commission (FTC)\nLegal File'

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