Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
RE : FORMAL DISPUTE DEMAND FOR PERMANENT DELETION OF FRAUDULENT ACCOUNTS, INQUIRIES, AND PERSONAL DATA To Whom It XXXX Concern, This letter serves as a formal dispute and legal notice under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX Compliance Guidelines. I am deeply disappointed and disturbed by your continued reporting of false, inaccurate, and unauthorized information in violation of federal law and your obligations under XXXX XXXX XXXX data integrity standards. 

PERSONAL INFORMATION TO BE CORRECTED : Incorrect DOB : XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ACCOUNTS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX Both accounts are being reported without my consent, authorization, or contract, which violates : FCRA XXXX Permissible Purpose FCRA XXXX Failure to block fraudulent data FCRA XXXX Duty of furnishers to report accurate data FCRA XXXX & XXXX Willful and negligent noncompliance No written consent exists, no permissible purpose is established, and you have failed to validate these entries under XXXX ( a ) ( XXXX ). These accounts must be deleted immediately or I will pursue legal remedies, including XXXX  in small claims court. 

COLLECTIONS TO BE DELETED : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Under FDCPA XXXX, the reporting of unverified, incomplete, or misleading collections constitutes deceptive practices. These entries are missing documentation, fail XXXX XXXX formatting standards, and were never verified with legally sufficient proof. If you can not produce complete, signed contracts and accurate reporting history, these items must be permanently deleted. 

XXXX  INQUIRIES TO BE DELETED ( Unauthorized ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my knowledge or permission and therefore violate : FCRA XXXX ( a ) ( XXXX ) No permissible purpose without consumer consent FCRA XXXX Failure to block identity theft-related information FCRA XXXX ( a ) Failure to investigate disputed inquiries I never authorized any of the above companies to access my credit report. I demand proof of signed authorization or permanent deletion. 

FINAL WARNING : You failed to block fraudulent data within the required XXXX window under FCRA XXXX XXXX Your continued inaction constitutes : Willful Non-Compliance ( XXXX ) Negligent Reinvestigation ( XXXX ) Furnisher Negligence ( XXXX ) If these inaccurate, unverifiable, and unauthorized items are not deleted within XXXX  days, I will : File a formal complaint with the CFPB, FTC, XXXX Attorney General, and BBB Seek monetary XXXX in small claims court Pursue further legal escalation for your reckless disregard of federal law This is not a requestit is a legal demand. I expect a full investigation and confirmation of permanent deletion sent to me in writing. I retain full records of this dispute and all communications.

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