Consumer complaint received 2025-03-10 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 XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX FORMAL DISPUTE DEMAND FOR REMOVAL OF UNAUTHORIZED INQUIRIES, INACCURATE REPOSSESSION RECORD, AND DEBT VERIFICATION REQUEST To Whom It May Concern, This letter serves as a formal dispute and demand for immediate action regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). You are legally required to report only verified, accurate, and legally permissible information. Therefore, I am demanding the immediate removal of the following : 1. Unauthorized Hard Inquiries 2. Inaccurate and Unverified Repossession Record 3. Unverified Debt Collection Items Failure to fully investigate and remove these items within 30 days, as required by law, will result in formal complaints to regulatory agencies and legal action against both the furnishers and credit reporting agencies. 
1. Demand for Removal of Unauthorized Hard Inquiries Violation of 15 U.S.C. 1681b Under 15 U.S.C. 1681b, you can not allow a company to access my credit report without my explicit written consent or a valid permissible purpose. The following inquiries were made without my authorization and must be deleted immediately : Accounts 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. 15 U.S. Code 1681e - Compliance procedures XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

19. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

20. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX Account Number : XXXX Please remove it from my credit report. 

If these inquiries are not removed within 30 days, I will take legal action for FCRA violations. 

2. Demand for Removal of Inaccurate and Unverified Repossession Record Failure to Verify Accuracy 15 U.S.C. 1681i As required by 15 U.S.C. 1681i, I demand a Method of Verification ( MOV ) proving that this repossession was properly reported, verified, and investigated. If you can not produce the following original documentation from the lender, this repossession must be deleted immediately : The exact date of delinquency and repossession The contract I signed allowing for repossession reporting The complete payment history leading up to the repossession Lack of Permissible Purpose 15 U.S.C. 1681b Under 15 U.S.C. 1681b, furnishers must have a valid permissible purpose to report any data on my credit file. Provide proof that the repossession lender had : Written authorization to pull my credit report A legitimate legal reason to report this repossession If no such proof exists, this repossession entry must be removed immediately.

Reporting of Inaccurate or Incomplete Information 15 U.S.C. 1681s-2 This repossession contains one or more inaccuracies, including but not limited to : Incorrect balance owed Wrong date of delinquency Failure to update account status after auction sale Failure to adjust deficiency balance correctly Since these errors violate the accuracy requirements of the FCRA, this repossession must be removed immediately.

3. Debt Verification Request FDCPA Section 809 ( 15 U.S.C. 1692g ) Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of any alleged debt a debt collector claims I owe. I demand the following documentation : Proof that your company is legally entitled to collect this debt, including contracts, agreements, or assignments that show you have the authority to collect.

Detailed accounting of the alleged debt, including a full breakdown of the amount you claim I owe and how it was calculated. 
Proof that I am the correct debtor, including signed agreements or contracts bearing my signature, proving my legal obligation to pay this debt. 
If you claim these items are 100 % accurate and verifiable, I demand you provide copies of any documentation bearing my signature. I believe none exists. 
If you fail to provide this documentation, I demand that you immediately remove these items from my credit report. 

Legal Liability and Consequences for Non-Compliance If these unauthorized inquiries, repossession records, or unverified debts are not removed as required by law, I will : 1. File a formal complaint with the CFPB, FTC, and my states Attorney Generals office.

2. Pursue legal action against the credit bureaus and furnishers under : 15 U.S.C. 1681n for willful noncompliance ( statutory damages up to {$1000.00} per violation, plus punitive damages ). 
15 U.S.C. 1692k for FDCPA violations ( actual damages, statutory damages up to {$1000.00}, plus attorney fees ). 

Additionally, I am sending this letter via certified mail to protect my rights and document your response. 

I am aware that your agency has a habit of failing to comply with the FCRA. Do not make this a litigious matter. 

Final Demand I expect written confirmation within 30 days verifying that : All unauthorized hard inquiries have been permanently deleted. 
The repossession entry has been fully removed. 
All unverified debt collection accounts have been deleted. 
I receive an updated copy of my credit report reflecting these changes. 
I do not consent to E-OSCAR or any automated verification process. I am keeping a careful record of your actions, including your Method of Verification. 
Failure to comply will result in immediate legal and regulatory escalation. 
Sincerely,

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