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: HI

Complaint narrative:
Consumer Report To The FTC FTC Report Number XXXX The FTC can not resolve individual complaints, but we can provide information about next steps to take. We share your report with local, state, federal, and foreign law enforcement partners. Your report might be used to investigate cases in a legal proceeding. Please read our Privacy Policy to learn how we protect your personal information, and when we share it outside the FTC. 

About you Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX City : XXXX XXXX : XXXX  Zip Code : XXXX -- XXXX Country : XXXX What happened Delete all Negative Items XXXX Bank XXXX XXXX XXXX, XXXX Financ Open XXXX XXXX, XXXX XXXX XX/XX/year> Request for Immediate Removal or Correction of Negative Information Under Section 605-B of the FCRA To Whom It May Concern, I am writing to formally request the immediate removal or correction of certain negative information on my credit report under the provisions outlined in Section 605-B of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any negative information that has been reported for longer than XXXX years must be removed from a consumers credit report. Disputed XXXX XXXX of Dispute : Late payments, charge-offs, collections, etc. Date of First Delinquency/Negative Report : Date of first delinquency As per Section 605-B of the FCRA, I believe that the information in question is outdated and should have been removed after the allowable reporting period of XXXX years. I respectfully request that you remove this information from my credit report immediately, as you are required to do by law. Request for XXXX XXXX XXXX law, I expect you to process and remove this inaccurate or outdated information within XXXX to XXXX business days. It has come to my attention that Experian is currently being sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate and remove inaccurate information from consumer credit reports. I expect [ XXXX XXXX XXXX fully comply with FCRA regulations and avoid similar violations. If this request is not processed in the required time frame, I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing other legal remedies. Please send me a written confirmation once the action has been taken and provide an updated copy of my credit report reflecting the corrections. Thank you for your immediate attention to this matter. 

How it started Date fraud began : Amount I was asked for : Amount I Paid : XX/XX/year> {$10000.00} Payment Used : How I was contacted : Other Other Details about the company, business, or individual Company/Person Name : XXXX, Equifax, XXXX  Address Line XXXX : Address Line XXXX : City : State : Zip Code : Country : Email Address : Phone : Website : Name of Person You Dealt With :

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