Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : [ Insert XXXX  or XXXX Address see bottom for mailing addresses ] Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear [ TransUnion / Equifax XXXX Experian XXXX XXXX XXXX XXXX ], I am writing to formally dispute the reporting of the account listed below on my credit report : Creditor Name : XXXX XXXX XXXX Account Number : [ List the partial or full number if known ] Reported Balance : {$8000.00} Date Opened : XX/XX/XXXX This account is being inaccurately reported across all three major credit reporting agencies and violates multiple sections of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and United States Code ( USC ).

Violations of Federal Law Include : 15 U.S. Code 1681e ( b ) : Failure to ensure maximum accuracy of reported information. This account contains conflicting data ( open vs closed status, incorrect last payment date, and inaccurate delinquency notations ).

15 U.S. Code 1681i ( 5 ) : Upon notice of dispute, the XXXX  must correct or delete inaccurate or unverifiable information within a reasonable time.

15 U.S. Code 1681c-2 : If I allege this account is fraudulent or due to identity theft, the XXXX  is required to block this information within XXXX business days. 


15 U.S. Code 1681 602 ( A ) : I have the right to privacy and protection of my personal information.

15 U.S. Code 1681 604 ( A ) ( 2 ) : No agency may furnish my consumer report without my written authorization. 



Demands : Immediately remove or block this account from my credit report within XXXX business days of receiving this notice. 


Provide me with the original contract bearing my signature, including all terms and conditions. 


If you can not produce this documentation or verify this debt in compliance with the above laws, you are legally required to delete this account. 



Legal Notice : If this account is not removed, corrected, or blocked within the XXXX timeframe, I will move forward with filing a formal lawsuit against XXXX XXXX XXXX and XXXX respective credit bureaus for : Willful noncompliance with federal law Violation of my consumer privacy rights Emotional and financial harm caused by inaccurate reporting You may be held liable for {$1000.00} per account under FCRA statutory damages, in addition to any actual damages. 

Resolution : DELETE the inaccurate account ( XXXX ) SEND WRITTEN CONFIRMATION that the deletion has occurred REFRAIN from further reporting or data furnishing that is not 100 % accurate and verifiable I look forward to your immediate response. Failure to comply will result in legal escalation. 
Sincerely, 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