Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified several items that are being reported either with inaccurate or unverifiable information, or are being reported without my knowledge, authorization, or ongoing consent to share my personal identifying information ( PII ).

PII PRIVACY VIOLATIONS GRAMM-LEACH-BLILEY ACT I hereby invoke my rights under the Gramm-Leach-Bliley Act ( GLBA ) and federal PII protections. My personal dataincluding my name, Social Security number, address, and credit historyhas been furnished, stored, and shared without my express or continuing consent. Pursuant to FCRA 604 ( a ), I am now formally revoking any prior authorizationwhether express, implied, or assumedfor the reporting, sharing, or dissemination of my data by you or any party furnishing this information to your agency. This revocation also applies to any affiliate, data broker, third-party vendor, or downstream repository to whom you have sold, transferred, or otherwise shared my personal information. Any continued use or transfer of my datadirectly or indirectlywill be treated as an unauthorized disclosure and breach of federal privacy law. FCRA 1681e ( b ) You are required to ensure the maximum possible accuracy of all consumer data FCRA 1681i ( 5 ) If an item is inaccurate, incomplete, or unverifiable, it must be promptly deleted Your failure to act accordingly constitutes a violation of these federal obligations. 
These accounts are being reported and maintained without my legal authorization, and any further retention or publishing of this data is being done without permissible purpose under the law. I am not requesting reinvestigation or verification. I am demanding complete deletion and permanent blocking under all applicable statutes. 
LEGAL DOCTRINE : FAILURE TO PROVIDE PROOF To date, neither the credit reporting agencies, the data furnishers, nor the originating creditors have provided any sufficient documentation to prove that the reporting of these accounts is lawful, accurate, or authorized. No contract, original source records, or permissible purpose disclosures have been produced. As such, under the doctrine of estoppel by silenceas upheld in Engelhardt v. Gravens ( Mo ) 281 S.W. 715, 719your failure to respond with legally sufficient evidence constitutes a legal presumption that no such proof exists, and therefore no lawful basis for reporting remains. Accordingly, these accounts must be removed immediately and permanently from my credit file.

NOTICE OF ACTIVE MONITORING FOR REINSERTION Be advised that I will be actively monitoring my consumer reports for any attempt to reinsert the accounts listed above or otherwise furnish the disputed information under a different tradeline or name. Any reinsertion of this datawithout full compliance with FCRA 1681i ( a ) ( 5 ) ( B ), including written notice and certification of accuracywill be treated as a willful violation and trigger immediate enforcement action.

FINAL NOTICE & ENFORCEMENT WARNING This is your final opportunity to comply voluntarily. Failure to permanently block and delete the accounts identified above will result in formal complaints to the State Attorney General, data protection regulators, and other appropriate governmental authorities. I will also pursue civil litigation for damages under applicable state and federal laws, including the Fair Credit Reporting Act, GLBA, and related privacy statutes. I am documenting this for potential use in court and reserve all rights to escalate without further notice. You are on legal notice. Do not test the limits of your liability.

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