Consumer complaint received 2025-05-13 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Date of birth : XX/XX/XXXX SS # : XXXX RE : CONTINUED REPORTING OF INACCURATE, UNVERIFIED, AND OUTDATED INFORMATION FORMAL DISPUTE UNDER FCRA To Whom It May Concern, As a legally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am writing this formal second dispute notice regarding ongoing violations on my Equifax credit file. Despite a previous dispute, several items remain that are inaccurate, unverifiable, obsolete, or misrepresented. I am demanding a full reinvestigation and immediate deletion of the items listed below in accordance with 15 U.S.C. 1681i ( a ). 
Ongoing Consumer Harm The continued presence of inaccurate, outdated, and unverifiable information on my credit report is causing significant harm to my financial standing. These errors are jeopardizing my ability to secure credit, impacting my ability to rent or purchase a home, and damaging my overall financial well-being. As such, I demand immediate corrective action to mitigate further consumer harm under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i. 
Accounts in Violation Charge-Offs The following accounts are being inaccurately reported as charge-offs without proper validation or proof of liability. These must be verified with original documentation or deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$1800.00} | Opened : XX/XX/XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$2700.00} | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$500.00} | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$570.00} | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$590.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$2700.00} | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$21000.00} | Opened : XX/XX/XXXX Collection Accounts These debt collection accounts lack full legal validation, including itemization, chain of title, and original agreements. They must be removed if proper documentation can not be provided : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$1000.00} | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$2700.00} | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$1500.00} | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX | High Balance : {$110.00} | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : Not Reported | Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$0.00} | Opened : XX/XX/XXXX This account is reported as delinquent without valid billing statements or signed proof of debt. If not properly validated, it must be deleted. 
Incorrect or Duplicate Addresses The following addresses are outdated, unrelated to any current tradeline, or listed in duplicate formats. Please delete them immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( duplicate of current address ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Only valid current address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiries Under 15 U.S.C. 1681b, all inquiries must be based on a permissible purpose and consumer authorization. I did not authorize the following hard inquiries, and they are damaging my creditworthiness : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( duplicate entry ) Please delete these inquiries unless you can provide documented proof of my signed authorization and clear permissible purpose. 
Legal Authority & Consumer Rights You are required to comply with the following laws and regulations : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, 1681i, 1681b, 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Consumer Financial Protection Bureau ( CFPB ) Oversight of credit reporting practices Federal Trade Commission ( FTC ) Enforcement of consumer rights Per FCRA 1681i, if you can not verify these items within 30 days from the receipt of this letter, they must be deleted from my report. 
Immediate Actions Requested 1. Delete all accounts that can not be fully validated using original signed documentation.

2. Remove all incorrect and duplicate addresses from my credit report.

3. Delete all unauthorized inquiries unless you provide documented authorization.

4. Send me written confirmation of all corrections or deletions made.

5. Provide a current copy of my updated credit report following your investigation.

Formal Request for Verification & Deletion This letter serves as a formal request for the verification of the above-referenced items in accordance with 15 U.S.C. 1681i. If you are unable to provide adequate verification within the statutory 30-day period, you are required by law to delete these items from my credit report. 
Third-Party Assistance Disclosure Please be advised that I may seek assistance from a third-party credit repair service in connection with this dispute. I reserve the right to authorize such third-party assistance to ensure full compliance with applicable credit reporting laws and that my consumer rights are upheld. 
Notice of Regulatory Escalation Should you fail to comply within 30 days, I will immediately file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Tennessee  Attorney Generals Office. I will also pursue legal remedies under 15 U.S.C. 1681n and 1681o, which include damages for willful or negligent noncompliance. 
Please treat this matter with the urgency and legal seriousness it deserves. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Tennessee  Attorney Generals Office

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