Consumer complaint received 2025-08-11 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX XX/XX/XXXX Formal Credit Report Dispute under the FCRA, FDCPA, HEA, TILA, and Related Federal Laws Immediate Deletion Demanded To Whom It May Concern, I am writing to formally dispute the accuracy and legality of one or more accounts appearing on my credit report, pursuant to my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Higher Education Act ( HEA ), Truth in Lending Act ( TILA ), and the Privacy Act of XXXX 

Specifically, I dispute the accuracy, completeness, and verifiability of the following account ( s ) and demand immediate investigation, full validation, or deletion : Disputed Account ( s ) : XXXX ( XXXX XXXX XXXX  ) Under the following statutes, I request immediate compliance and corrective action : 1. 15 U.S. Code 1681g ( FCRA Section 609 ) I am exercising my right to request all information in your files regarding the above-referenced accounts, including but not limited to : Copies of original contracts or applications bearing my signature The name and contact information of the original furnisher A detailed explanation of the method used to verify this information All documents submitted by the furnisher during any prior dispute 2. 15 U.S. Code 1681i ( FCRA Section 611 ) You are legally required to reinvestigate disputed information within 30 days and delete any unverifiable or inaccurate data.

3. 15 U.S. Code 1681e ( b ) You must ensure the maximum possible accuracy of all data reported. Failure to confirm the accuracy of this account renders it reportable in violation of federal law.

4. 15 U.S. Code 1681c ( Obsolete Information ) If any student loan entered default over 7 years ago, it may no longer be reported and must be removed. Please verify all dates of default and rehabilitation and provide proof of compliance with reporting time limits.

5. 15 U.S. Code 1681s-2 ( b ) Furnishers of information are required to fully investigate disputes and respond to the credit bureau . If they fail to validate, the account must be deleted.

6. 15 U.S. Code 1692g ( FDCPA Validation of Debts ) If any third-party debt collector is reporting this account, they must provide proper validation, not merely verification. I request the full chain of ownership and breakdown of the alleged debt.

7. 20 U.S. Code 1087e ( Higher Education Act ) All federal student loan servicing and reporting must be consistent with XXXX records. Any third-party reporting not in compliance with Department of Education procedures may violate the HEA.

8. 15 U.S. Code 1601 ( TILA ) All loan terms must be properly disclosed, including interest rates and fees. If any disclosures were missing or unclear, or if reporting entities failed to meet their obligations under TILA, this account is invalid.

9. 5 U.S. Code 552a ( Privacy Act of XXXX ) If this information is being reported by a federal agency ( such as the Department of Education or its contractors ), unauthorized sharing or inaccurate reporting may violate my rights under the Privacy Act. 

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