Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Formal Legal Demand for Immediate Removal of Fraudulent, Inaccurate, and Unverifiable Items To : TransUnion, Experian, and Equifax Credit Reporting Agencies From : XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX : XX/XX/XXXX RE : IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS, HARD INQUIRIES, COLLECTIONS & LATE PAYMENTS To Whom It May Concern, This letter serves as a final legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ), TILA 1666b, and 15 U.S.C. 1681e ( b ) requiring your agency to immediately and permanently remove all fraudulent, unverifiable, inaccurate, and legally noncompliant items from my consumer credit report. Your continued failure to investigate and remove these illegal entries will be seen as a willful violation of federal law, and I will pursue full legal remedies if action is not taken immediately. 

DISPUTED ITEMS INCLUDE : Fraudulent and unauthorized hard inquiries Illegally reported late payments Unverified and inaccurate collections accounts Fraudulent accounts that fail XXXX XXXX compliance and can not be validated I have attached a detailed list of these disputed items along with a copy of my consumer credit report reflecting these inaccuracies. 

LEGAL BASIS FOR REMOVAL & DEMANDS 1. Unauthorized Hard Inquiries Violation of FCRA 604 Under FCRA 604 ( 15 U.S.C. 1681b ), a credit bureau may only list hard inquiries that were explicitly authorized by the consumer. I never authorized many of the inquiries on my credit report. 

DEMAND : Immediately remove all unauthorized hard inquiries. 
Provide documented proof of authorization for each inquiry, including my signature or an agreement allowing these inquiries. 
If you can not provide verifiable proof, you are required to delete them immediately under federal law. 

2. Unverified Collections Violation of FCRA 623 ( a ) ( 3 ) & 611 ( a ) ( 5 ) ( A ) Under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report collections that are inaccurate, misleading, or unverifiable. If the debt can not be fully validated, it must be removed immediately under FCRA 611 ( a ) ( 5 ) ( A ).

DEMAND : Provide full chain-of-title documentation proving the legal right to report these collections. 
If the original creditor no longer owns the debt, furnish proof of assignment or delete the account immediately. 

3. Late Payments Violations Under TILA 1666b & Metro 2 Compliance Under TILA 1666b ( 15 U.S.C. 1666b ), a creditor may not consider a payment late unless they provide a billing statement at least 21 days before the due date. If this requirement was not met, the reported late payment is illegal and must be removed immediately.

Furthermore, per 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum accuracy of reported data. If you can not verify that the billing statement was properly sent, the late payment must be deleted immediately. 

DEMAND : Provide verifiable proof of when the billing statement was sent. 
Remove any late payments that lack documented proof of compliance with XXXX XXXX XXXX XXXX reporting standards. 

4. Fraudulent Accounts Violation of XXXX XXXX & Fair Credit Reporting Act ( FCRA ) Standards Under XXXX XXXX Compliance Standards, accounts must be accurately reported and verifiable. Many of the accounts on my credit report contain inaccuracies, improper reporting dates, or unverifiable details. 

DEMAND : Provide full validation of each account, including the original agreement, balance history, and payment records. 
Remove any fraudulent accounts that contain inaccuracies or can not be fully verified under FCRA guidelines. 

FORMAL NOTICE OF LEGAL ESCALATION Should you fail to remove these fraudulent, inaccurate, and unverifiable items within four ( 4 ) business days, I will take the following legal actions without further notice : 1. File official complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Attorney Generals Office The XXXX XXXX XXXX XXXX XXXX  ) The U.S. Department of Justice ( DOJ ) for consumer rights violations 2. Pursue legal action under FCRA 616 and 617, seeking : {$1000.00} per violation in statutory damages Actual damages for financial and emotional distress Punitive damages for willful violations of consumer protection laws XXXX. Demand direct verification from data furnishers under FCRA 623 ( a ) ( 8 ), requiring them to provide proof of compliance or delete the disputed accounts.

4. Request immediate removal of my data from all secondary credit reporting agencies, including : XXXX XXXX XXXX XXXX XXXX XXXX  FINAL LEGAL DEMAND FOR FULL COMPLIANCE This letter serves as your final notice. You have four ( 4 ) business days to remove all fraudulent, inaccurate, and improperly reported late payments, collections, charge-offs, and inquiries. If you fail to comply, I will escalate this matter immediately and seek all available legal remedies. 

I demand written confirmation that my credit file has been corrected within ten ( 10 ) business days. 

This matter is not negotiable, and no delay will be tolerated. 

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