Consumer complaint received 2025-06-24 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:
I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my consumer credit report. Under the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance guidelines, and my rights as a consumer, I demand a full reinvestigation of all disputed data listed below.

You are reporting accounts, collections, inquiries, and personal information that either stem from unauthorized activity, lack proper verification, or directly violate federal law. Under 15 U.S.C. 1681b, no permissible purpose exists for reporting unauthorized accounts or inquiries without my written consent. You are obligated under 15 U.S.C. 1681i to fully investigate each dispute on its own merits and provide documented proof of accuracy, not rely on automated or template responses. 

This letter is being sent on my behalf as part of an aggressive effort to correct your continued reporting violations. You are hereby instructed to produce original, verifiable documents bearing my wet or electronic signature authorizing the reporting of the accounts and inquiries listed below. Failure to provide such documentation will confirm your willful non-compliance under 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ), and will result in legal action. 

Furthermore, any response generated by template or automated system without full reinvestigation will be deemed as bad faith and a direct violation of my rights. You are aware, or should be aware, of these statutory requirements. I expect full compliance.

The following information is being disputed : Personal Information Disputed : Incorrect Name : 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 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 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 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 XXXXXXXX I demand that you provide full documentation to verify the accuracy, ownership, and reporting authority of these entries. If you can not validate these items in full compliance with Metro 2, FCRA, and XXXX CRRG standards, DELETE them entirely from my report and provide me with updated copies reflecting these deletions. 

You are on legal notice. If you fail to comply, I will pursue all remedies available to me under federal law including formal legal action.

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