Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16937298
Complaint Overview
Complaint ID: 16937298
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: Oklahoma
ZIP Code: 73072
Date Received: 2025-10-30T12:00:00-05:00
Date Sent to Company: 2025-10-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Let me be VERY clear I am tired of your blatant violations of my rights under federal law. This is my SECOND and FINAL written demand regarding the inaccurate, unverifiable, and ILLEGALLY reported account ( XXXX ) listed below : Account Name : XXXX XXXX XXXX, Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately Despite prior notice, you have continued to allow the reporting of this harmful and false information on my credit profile a reckless violation of my consumer rights. You are now in violation of the following : FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of information furnished about me. information furnished about me. 15 U.S.C. 1681i : Failure to conduct a lawful reinvestigation within the required timeframe. 15 U.S.C. 1681s-2 : Willful reporting of information you KNOW to be false or unverifiable. FDCPA Violations : 15 U.S.C. 1692e : Use of deceptive and misleading reporting practices. 15 U.S.C. 1692f : Engaging in unfair and unconscionable collection activities through the 1 of 2 continuation of false credit reporting. UCC Violations : UCC 3-305 & 1-103 ( a ) : Reporting debts WITHOUT possession of verifiable, original contractual agreements constitutes constructive fraud. Case Law Precedent Supporting My Claims : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : You are REQUIRED to conduct an independent and reasonable investigation not simply parrot creditor claims. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to DELETE inaccurate information after being properly notified is a direct violation of FCRA. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Continuing to report inaccurate data following consumer dispute constitutes willful noncompliance, leaving you fully liable under law. FINAL DEMAND NO EXCEPTIONS : I DEMAND the IMMEDIATE and PERMANENT DELETION of the above-referenced account ( XXXX ) from my credit report. I further DEMAND that you provide : XXXX. A written statement of DELETION within XXXX business days from receipt of this letter. Copies of ALL original signed contracts for the above account ( XXXX ) OR confirmation that such documents DO NOT EXIST. XXXX. XXXX. Full disclosure of the exact method of verification used in your reinvestigation. NOTICE OF IMMEDIATE LEGAL ACTION : Your failure to comply will result in the following, WITHOUT FURTHER NOTICE : I will pursue civil litigation seeking XXXX XXXX per violation under 15 U.S.C. 1681n and 15 U.S.C. 1681o, along with actual and punitive damages, and recovery of legal fees. Formal complaints will be filed IMMEDIATELY with the CFPB, FTC, and State Attorney General in your jurisdiction. I will escalate this matter to national media outlets and consumer watchdog organizations to expose your continued abuse of consumers.
Frequently Asked Questions
What is Complaint #16937298 about?
Complaint #16937298 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 2025-10-30T12:00:00-05:00.
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.