Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI was XXXX  from XXXX XXXX XXXX, through XXXX XXXX XXXX. During this time I lacked all legal and physical ability to authorize or initiate any credit transaction. Therefore, any account opened, modified, or reported during this time is presumptively:\n Fraudulent, unauthorized, or identity theft-related;\n Reported without permissible purpose under 15 U.S.C.  1681b;\n Unverifiable under 15 U.S.C.  1681i(a)(5) and must be permanently deleted.\n \nII. MANDATORY DELETION  SPECIFIC UNAUTHORIZED ACCOUNTS\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 XXXXBased on false presumption; my son resides with XXXX; no judicial due process per 15 U.S.C.  1681s-1\nIII. MANDATORY DELETION  OTHER UNAUTHORIZED OR HARMFUL NEGATIVE ACCOUNTS\n \nThese tradelines must also be deleted due to lack of permissible purpose, unverifiable balances, outdated reporting, or data furnisher noncompliance:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFails all requirements of 15 U.S.C.  1692g\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNo signed policy, debt disputed\nThese accounts were not validated, no original signed agreement exists, and reporting was done without permissible purpose, placing Experian in direct violation of federal law.\n \nIV. FEDERAL LAW VIOLATIONS  ALL APPLY\nStatute\nViolation Description\n15 U.S.C.  1681b\nNo permissible purpose to report or maintain these accounts\n15 U.S.C.  1681e(b)\nNo reasonable procedures ensuring accuracy\n15 U.S.C.  1681i(a)\nFailure to reinvestigate and delete disputed items\n15 U.S.C.  1681c(a)(5)\nObsolete and outdated entries beyond 7 years\n15 U.S.C.  1681s-2(a)\nReporting known false or unverifiable information\n15 U.S.C.  1681g(a)(2)\nFailure to disclose sources and data providers\n15 U.S.C.  1602(g)\nNo creditor contract disclosed; TILA violation\n15 U.S.C.  6802 (GLBA)\nPrivacy breach and unauthorized info sharing\n15 U.S.C.  1692g(b)\nFailure to validate collection accounts\n15 U.S.C.  1692e(8)\nContinuing to report inaccurate or false debts\n15 U.S.C.  1624b(5)\nNo proof of obligation; you must remove it\nConstitution, 14th Amendment\nDue process violated by state-reported entries\nLEGAL RESPONSIBILITY & LIABILITY NOTICE\n \nExperian is directly liable under the Fair Credit Reporting Act (FCRA), which imposes strict legal obligations to:\n Ensure maximum possible accuracy (15 U.S.C.  1681e(b));\n Reinvestigate and delete any unverifiable information (15 U.S.C.  1681i);\n Provide the source of the information (15 U.S.C.  1681g);\n Report only with a valid permissible purpose (15 U.S.C.  1681b);\n Stop reporting any item that cannot be proven by the original creditor or data furnisher (15 U.S.C.  1681s-2).\n \nFailure to comply is willful noncompliance under  1681n, subjecting your bureau to:\n $1,000 per violation\n Punitive damages\n Attorney fees\n Injunctive relief'

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