Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report maintained by Experian. This letter serves to invoke my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which obligates you to provide the procedures used to verify the disputed information on my credit report. If you can not verify the accuracy of the disputed items, they must be promptly deleted from my credit report.

Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have an essential right to privacy regarding my financial information. Furthermore, 15 U.S.C. 1681 ( 4 ) under the FCRA underscores the importance of maintaining the accuracy and privacy of consumer credit information. 

No permissible purpose, as stipulated in 15 U.S.C. 1681b ( 2 ), has been established for Experian to maintain a credit report on my behalf. Experian neither has my consent nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose constitutes a violation of my privacy rights.

Moreover, 18 U.S.C. 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime. The unauthorized acquisition and use of my personal information violate principles of privacy and consumer protection.

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Experian to take all necessary actions to correct and block this information in compliance with the law.

I formally request a detailed investigation into this dispute and the immediate removal of any incorrect information from Experian 's records. If it is determined that no permissible purpose exists for maintaining this information, I expect Experian to comply with the FCRA, 18 U.S.C. 1028a, and 15 U.S.C. 1681c-2 to rectify any issues related to identity theft.

Please provide me with a written response to this dispute within 30 days, including details of the actions taken to correct inaccuracies on my credit report and the results of your investigation. Failure to correct or remove inaccurate information in accordance with the law will leave me no choice but to pursue legal remedies.

The following unauthorized items must be deleted from my file immediately : XXXX. XXXX Account This account are inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX. XXXX Account This account are inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX. XXXX XXXX XXXX Account This account are inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX XXXX Account This account are inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX. XXXX Account This account are inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Moving forward, as required by the Fair Credit Reporting Act, please demonstrate the procedures used to verify the disputed information on my credit report. If this information can not be verified, it must be removed without delay.

To ensure compliance with the law, I am filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are protected under FCRA 15 U.S.C. 1681.

I look forward to your prompt response. 

Sincerely, XXXX 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