Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
I am formally disputing any inaccurate or undocumented information in my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standard, I challenge the reportability of all unverified claims. Federal and state laws require accuracy and completeness. Reporting claims that are knownor should be knownto be unlawful is a direct violation. 

I request that you provide physical, verifiable evidence to support the existence of the account ( XXXX ) and the permissible purpose for reporting. If such evidence is not available, DELETE the item ( XXXX ) from my credit report. I authorize you to send me physical documentation of your investigation and an updated credit report. 

Listed below are the Personal Information that are being challenged Employer XXXX XXXX XXXX  Incorrect Current Address XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX Incorrect Previous Address XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect Name XXXX XXXX XXXX XXXX Incorrect XXXX XXXX Incorrect Name XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged BBY/CBNA XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and XXXX XXXX data field reporting standard. Federal and state law mandates accurate and complete reporting. It is unlawful to report unverifiable or non-compliant data. 

Please provide physical evidence of the accounts existence and legal usage. If such evidence does not exist, DELETE the account from my report. I also request physical documentation of all actions taken and an updated credit report. 

Listed below are the Personal Information that are being challenged Employer XXXX XXXX XXXX  Incorrect Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect Name XXXX XXXX XXXX XXXX Incorrect Previous Address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect XXXX XXXX Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX are the Accounts that are being challenged XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am again disputing inaccurate or undocumented information in my credit report. Under the FCRA and XXXX XXXX reporting standards, I challenge the reportability of these unverified claims. You are required to report only accurate and legally verifiable information. 

I request verifiable evidence for each item. If you can not verify with proper documentation, DELETE the item from the report. Please send me physical documentation of your actions and my updated credit report. 

Listed below are the Personal Information that are being challenged Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Previous Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcorrect XXXX XXXX Incorrect Name XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXXXXXX XXXX XXXX I request that you conduct a proper investigation with the original creditors and furnish me with all documents bearing my signature. If there is no documentation proving my consent or connection to these entries, I demand the immediate DELETION of all accounts and inquiries listed above from the credit file associated with my Social Security number.

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