Consumer complaint received 2025-05-18 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Second FORMAL DEMAND FOR IMMEDIATE REMOVAL OF OUTDATED AND ERRONEOUS INFORMATION ADVERSE ACTION RESULTING FROM YOUR VIOLATIONS To Whom It May Concern, This letter serves as a Second formal demand under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, for the immediate removal of obsolete, inaccurate, and illegally reported information from my credit file. XXXX failure to comply with the legally mandated reporting period has directly resulted in adverse action against me, including the denial of employment opportunitiesan outcome directly attributable to your unlawful reporting practices. 
I am fully aware of my rights under the FCRA, and I will not tolerate XXXX reckless disregard for federal law. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reinforced the strict limitations imposed by the FCRA XXXX ruling that consumer reporting agencies can not include certain adverse information beyond the statutory timeframe. Your failure to adhere to these reporting guidelines constitutes willful noncompliance, as outlined in 15 U.S.C. 1681n, exposing Equifax to legal liability for damages, including punitive remedies. 
Because of XXXX negligent and unlawful reporting, I have suffered financial and professional harm, including the loss of employment opportunities due to inaccurate or outdated negative information being improperly included in my consumer report. This is unacceptable, and I demand the immediate deletion of the following erroneous and outdated items from my credit report : Accounts 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CAPITALONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
15 U.S. Code 1681 ( C ) -Time Limits on Negative Information Outdated Unfair and Harmful Credit Reporting Practices XXXX Account Number : XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Delete this account. 
Oh by the way I hope you understand that the FCRA states in the section below Adverse Action Notice : I also want to bring to your attention that the continued reporting of this unvalidated debt has had a significant adverse impact on my life. I was recently denied credit when applying for a job, as the employer conducts a credit check as part of their hiring process. The adverse information you reported contributed directly to my disqualification. This constitutes an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m.

The denial of employment due to this unverified and potentially inaccurate information is not only distressing but may also be unlawful if the debt is not properly validated. As a result, I am requesting that you immediately investigate this matter and cease all collection activities until you can provide proper validation. 
Relevant Case Law Supporting My Request : XXXX. XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) This case affirms the requirement that a debt collector must provide validation of the debt upon request and must cease collection efforts until proper validation is provided. 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) In this case, the court ruled that if a debt collector fails to validate a debt as requested, they can not continue to pursue collection activities. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case highlights the necessity for a debt collector to provide accurate and complete information about the debt in question when validation is requested. 
Failure to comply with my request may constitute a violation of both the FDCPA and FCRA, and I reserve the right to pursue legal remedies to protect my rights. Please respond to this request within 30 days, as required by law. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692 ( g ), I am formally requesting validation of this debt. 
According to the FDCPA, I am entitled to request and obtain verification of any alleged debt that a debt collector claims I owe. Specifically, I request : XXXX. Proof that your company is legally entitled to collect this debt. This includes any contracts, agreements, or assignments that show that you have the authority to collect on this debt. 
XXXX. Detailed accounting of the alleged debt, including a breakdown of the amount you claim I owe and how it was calculated. 
XXXX. Proof that I am the correct debtor. This includes any signed agreements or contracts that bear my signature and that demonstrate my legal obligation to pay this debt. 
If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you to remove these items from my file. 
Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these items, I will be referring this matter to my attorney for further action.

Please do not make this a litigious matter...

Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Sincerely, XXXX XXXX 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