Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Date : XX/XX/XXXX To : XXXX  XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX  XXXX, XXXX, TX XXXX From : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Formal Dispute of Inaccurate, Unverifiable, and Incomplete Information Under the Fair Credit Reporting Act ( FCRA ) Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am submitting this dispute letter to demand the immediate reinvestigation and permanent deletion of multiple inaccurate, unverifiable, outdated, and improperly accessed items appearing on my credit file. These items are negatively impacting my consumer rights and creditworthiness. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported by XXXX, Experian, and XXXX This account is listed as a charge-off and repossession, but reporting is inconsistent and unverifiable across bureaus. 
The Date of First Delinquency and Charge-Off Amount differ among the XXXX CRAs, violating FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] ( requirement for maximum possible accuracy ). 
The reporting period ( through XXXX ) exceeds the 7-year limitation established under FCRA 605 ( a ) [ 15 U.S.C. 1681c ( a ) ] for derogatory accounts. 
XXXX XXXX has not validated this alleged debt upon prior requests, violating FCRA 611 [ 15 U.S.C. 1681i ( a ) ] ( failure to conduct a reasonable reinvestigation ). 
The item remains unverified and incomplete, especially given the XXXX  Data Breach Settlement ( FTC XXXX XXXX  ) and exposure of personal information, creating a significant risk of identity theft contamination, invoking FCRA 605B [ 15 U.S.C. 1681c-2 ]. 
DEMAND : This tradeline must be deleted immediately due to unverifiable, inaccurate reporting and statutory noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported by XXXX  and Experian Reported as a charge-off with a conflicting closure and balance status. 
Payment history reflects duplicate reporting months and inconsistent Date Closed and Balance Updated fields. 
Violates FCRA 607 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], which prohibit furnishers from reporting inaccurate information once notified of dispute. 
In addition, no verifiable proof of debt validation was ever provided by the furnisher or CRA per FCRA 611 ( a ). 
The account shows no payment activity since XXXX yet remains reported as charged off as of XXXX obsolete and inaccurate per FCRA 605 ( a ). 
DEMAND : This account must be permanently deleted for failure to meet the legal accuracy and verification requirements. 

* * XXXXXXXX XXXX XXXX XXXX ( Accounts # XXXX and # XXXX ) Reported by XXXX  and Experian These accounts list collection statuses with no documentation or validation of ownership or assignment. 
The original creditors ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) were never contacted for validation. 
Reporting violates FCRA 611 ( a ) for failure to conduct a lawful reinvestigation and FCRA 623 ( b ) for continued reporting after dispute. 
Both accounts remain under collection with no proof of contractual liabilityconstituting furnisher negligence under FCRA 616 & 617 [ 15 U.S.C. 1681n, 1681o ] ( civil liability for willful and negligent noncompliance ).

No collection agency license or permissible purpose under 15 U.S.C. 1681b was provided, rendering continued reporting unlawful. 
DEMAND : Both collection entries must be permanently removed from all credit files immediately due to lack of verifiable ownership and compliance breaches. 

XXXX. UNAUTHORIZED OR EXCESSIVE CREDIT INQUIRIES I also dispute all unverified, unauthorized, and non-permissible inquiries listed on my credit report. 
Under FCRA 604 [ 15 U.S.C. 1681b ], a consumer reporting agency may only furnish my file for specific permissible purposes such as an initiated credit transaction or employment with written authorization. Any inquiry that can not be verified as having such a permissible purpose is a direct violation. 
Furthermore : Under FCRA 609 ( a ) ( 1 ), I am entitled to the name, address, and permissible purpose for each entity that accessed my report.

Under FCRA 610 ( a ) ( 1 ), I have the right to inspect and obtain documentation verifying that I authorized or initiated those inquiries.

Any inquiry that can not be verified must be deleted immediately, as continued reporting constitutes willful noncompliance under 15 U.S.C. 1681n. 
DEMAND : Provide, within 30 days, the written verification and permissible purpose for every hard inquiry currently reflected on my credit file. If verification can not be produced for any inquiry, it must be permanently deleted. 
LEGAL BASIS FOR REMOVAL I am invoking my rights under the following statutes : FCRA 605B ( 15 U.S.C. 1681c-2 ) Blocking of information resulting from identity theft.

FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of disputed information.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Accuracy and fairness in reporting.

FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ) Obsolete information beyond the 7-year reporting period.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Duties of furnishers to provide accurate data.

FCRA 604 & 609 ( 15 U.S.C. 1681b, 1681g ) Verification and permissible purpose of inquiries.

FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) Civil liability for willful and negligent noncompliance. 
XXXX  Data Breach Settlement ( FTC, CFPB & States ) Confirms compromise of consumer data under 15 U.S.C. 1681e ( a ). 

REQUESTED ACTIONS Permanently delete all above-listed accounts and any associated negative remarks. 
Delete all unverified or unauthorized hard inquiries that can not be validated under FCRA 604. 
Cease reporting or sharing this inaccurate information with third parties. 
Provide written confirmation of deletions within 30 days as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
Provide copies of all verification documents, including signed contracts or inquiry authorizations, if the CRAs claim reinvestigation results. 

NOTICE OF INTENT Failure to delete these accounts, inquiries, or provide verification within 30 days will result in : A formal complaint to the CFPB, FTC, and State Attorney General, and Consideration of civil action under 15 U.S.C. 1681n & 1681o for willful noncompliance. 

Sincerely,. 
XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX 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