Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16585770
Complaint Overview
Complaint ID: 16585770
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 75216
Date Received: 2025-10-14T12:00:00-05:00
Date Sent to Company: 2025-10-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Date : XX/XX/XXXX Re : URGENT Demand for Immediate Deletion & Willful Violation Notice Consumer : XXXX XXXX XXXX XXXX Tradeline : XXXX / Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported as CHARGE-OFF / DEROGATORY Balance shown {$25000.00} / {$26000.00} ; Date of Last Activity : listed XX/XX/XXXX / XX/XX/XXXX ( inconsistencies present ). To Whom It May Concern : This is a formal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and notice of potential willful violations. The above-referenced tradeline is inaccurate, inconsistent between bureaus, and/or not supported by appropriate verification. You have a statutory duty to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation on notice of dispute ( 15 U.S.C. 1681i ). I hereby demand, forthwith and not later than XXXX business days, that you : XXXX. Immediately mark this account as UNDER DISPUTE ( if not already ) and confirm in writing. XXXX. Conduct a full, documented, and meaningful reinvestigation into the reporting of this account not a sham or automated re-fingerprint. You must contact the furnisher and require them to provide the original signed contract, chain of title, complete account history, proof of amount owed, dates, and any settlement documentation. If the furnisher fails to provide admissible verification within the statutory investigatory window, you must delete the tradeline from my file entirely across all sections and notify all recipients who received the tradeline in the last XXXX years. See 15 U.S.C. 1681i ( a ) ( 5 ), 1681s-2 ( b ). XXXX. If you choose to verify rather than delete, provide verifiable documentary proof : ( a ) original application / signature ; ( b ) chain of assignment/ownership ; ( c ) complete payment history showing how amount was calculated ; ( d ) proof that the consumer was properly notified of charge-off dates per account contract. A simple electronic response from the furnisher that lacks these documents is unacceptable. XXXX. Provide written confirmation of your actions and full copies of all correspondence exchanged with the furnisher, within XXXX business days. Failure to do so is evidence of willful noncompliance. By your continued reporting of inaccurate or unverifiable information you are exposing yourself to statutory and punitive damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), and to attorneys fees and costs. This letter constitutes a demand for relief and notice that I will seek maximum statutory and punitive damages, actual damages for lost credit opportunities, emotional distress, and any other relief permitted by law if you fail to delete the tradeline immediately. Demand amount ( initial negotiation demand ) : Minimum {$50000.00} from the bureau for willful violations regarding this tradeline ( in addition to separate demands to the furnisher ). This is a good-faith settlement demand to avoid litigation. If you prefer to litigate, I will pursue full statutory and punitive relief available under federal and state law. Sincerely,
Frequently Asked Questions
What is Complaint #16585770 about?
Complaint #16585770 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-10-14T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.