Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified certain item ( XXXX ) that are incorrect : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX PA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX PA XXXX XXXX. The inquiry was not authorized IR/NAF Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized # XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * Please remove this inaccurate information from my credit report. 

10. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) XXXX  XXXX XXXX Account Number : XXXX * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX Account XXXX : XXXX * * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * Please remove this inaccurate information from my credit report. 

13. Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * Please remove this inaccurate information from my credit report. 

14. Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * Please remove this inaccurate information from my credit report. 

15. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX  XXXX Account Number : XXXX * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

16. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX  XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX  XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I am requesting an investigation into these items and their removal from my report. It is my understanding that you will contact the relevant creditor to verify the accuracy of these entries. I kindly ask you to eliminate any information that the creditor can not substantiate. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. Pursuant to the act, there should be no fee for this updated report. Additionally, I request that you notify anyone who has received my credit report in the past XXXX months about the corrections made. 

Thank you for your attention and assistance in resolving this matter.

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