Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX am writing in response to your notification that the negative student loan account reported on my credit file has been verified by the furnisher. I respectfully dispute this determination and request a further investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c.

The derogatory item in question is related to a student loan account that became delinquent over 11 years ago. Under the FCRA, adverse information such as late payments, defaults, or charge-offs must be removed after 7 years from the original date of delinquency, not from the date of transfer or activity by a subsequent servicer.

FCRA 605 ( a ) ( 5 ) states : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years shall not be included in any consumer report.

The continued reporting of this outdated negative information is both inaccurate and unlawful under federal credit reporting law. The fact that the servicer verified the debt does not override the legal limit of how long negative information may be reported.

I am requesting : 1.Immediate removal of all derogatory references to this account from my credit report.

2.Confirmation that my consumer file has been updated accordingly. 
3

.An explanation from the furnisher justifying the ongoing reporting of a delinquency over 7 years old.

Please be advised that failure to comply may constitute a violation of federal law and may be grounds for further legal action.

Additional Statement Regarding Unauthorized Credit Inquiries In addition to the issue previously addressed, I am also disputing unauthorized hard inquiries appearing on my credit report. These inquiries were conducted without my knowledge, consent, or permission, and they are not related to any credit application I personally made. 

Specifically, I have reason to believe that my personal information was used without my authorization to seek financing for a vehicle in my name. I did not apply for any auto loan or authorize anyone to run my credit for such purposes. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, credit inquiries are only permissible when there is a legitimate and authorized intent by the consumer to obtain credit. These inquiries were fraudulent, and their continued presence on my report negatively impacts my credit score and violates my consumer rights.

I am requesting the following : 1.The removal of all unauthorized inquiries related to the vehicle financing attempts.

2.The names and contact information of the entities that pulled my credit.

3.A full investigation into how these inquiries were initiated and by whom. 

If necessary, I am prepared to file a police report and fraud affidavit to support this claim and further protect my identity. 

Please confirm that these inquiries will be removed and that my credit file will be corrected accordingly. 


Sincerely, XXXX XXXX XXXX : XXXX am writing in response to your notification that the negative student loan account reported on my credit file has been verified by the furnisher. I respectfully dispute this determination and request a further investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c.

The derogatory item in question is related to a student loan account that became delinquent over 11 years ago. Under the FCRA, adverse information such as late payments, defaults, or charge-offs must be removed after 7 years from the original date of delinquency, not from the date of transfer or activity by a subsequent servicer.

FCRA 605 ( a ) ( 5 ) states : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years shall not be included in any consumer report.

The continued reporting of this outdated negative information is both inaccurate and unlawful under federal credit reporting law. The fact that the servicer verified the debt does not override the legal limit of how long negative information may be reported.

I am requesting : 1.Immediate removal of all derogatory references to this account from my credit report.

2.Confirmation that my consumer file has been updated accordingly.

3.An explanation from the furnisher justifying the ongoing reporting of a delinquency over 7 years old.

Please be advised that failure to comply may constitute a violation of federal law and may be grounds for further legal action.

Additional Statement Regarding Unauthorized Credit Inquiries In addition to the issue previously addressed, I am also disputing unauthorized hard inquiries appearing on my credit report. These inquiries were conducted without my knowledge, consent, or permission, and they are not related to any credit application I personally made. 

Specifically, I have reason to believe that my personal information was used without my authorization to seek financing for a vehicle in my name. I did not apply for any auto loan or authorize anyone to run my credit for such purposes. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, credit inquiries are only permissible when there is a legitimate and authorized intent by the consumer to obtain credit. These inquiries were fraudulent, and their continued presence on my report negatively impacts my credit score and violates my consumer rights.

I am requesting the following : 1.The removal of all unauthorized inquiries related to the vehicle financing attempts.

2.The names and contact information of the entities that pulled my credit.

3.A full investigation into how these inquiries were initiated and by whom.

If necessary, I am prepared to file a police report and fraud affidavit to support this claim and further protect my identity.

Please confirm that these inquiries will be removed and that my credit file will be corrected accordingly. 


Sincerely, XXXX XXXX XXXX : XX/XX/year> CFPB Complaint Reference # XXXX am writing in response to your notification that the negative student loan account reported on my credit file has been verified by the furnisher. I respectfully dispute this determination and request a further investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c.

The derogatory item in question is related to a student loan account that became delinquent over 11 years ago. Under the FCRA, adverse information such as late payments, defaults, or charge-offs must be removed after 7 years from the original date of delinquency, not from the date of transfer or activity by a subsequent servicer. 

FCRA 605 ( a ) ( 5 ) states : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years shall not be included in any consumer report.

The continued reporting of this outdated negative information is both inaccurate and unlawful under federal credit reporting law. The fact that the servicer verified the debt does not override the legal limit of how long negative information may be reported.

I am requesting : 1.Immediate removal of all derogatory references to this account from my credit report.

2.Confirmation that my consumer file has been updated accordingly.

3.An explanation from the furnisher justifying the ongoing reporting of a delinquency over 7 years old.

Please be advised that failure to comply may constitute a violation of federal law and may be grounds for further legal action.

Additional Statement Regarding Unauthorized Credit Inquiries In addition to the issue previously addressed, I am also disputing unauthorized hard inquiries appearing on my credit report. These inquiries were conducted without my knowledge, consent, or permission, and they are not related to any credit application I personally made. 

Specifically, I have reason to believe that my personal information was used without my authorization to seek financing for a vehicle in my name. I did not apply for any auto loan or authorize anyone to run my credit for such purposes. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, credit inquiries are only permissible when there is a legitimate and authorized intent by the consumer to obtain credit. These inquiries were fraudulent, and their continued presence on my report negatively impacts my credit score and violates my consumer rights.

I am requesting the following : 1.The removal of all unauthorized inquiries related to the vehicle financing attempts.

2.The names and contact information of the entities that pulled my credit.

3.A full investigation into how these inquiries were initiated and by whom. 

If necessary, I am prepared to file a police report and fraud affidavit to support this claim and further protect my identity. 

Please confirm that these inquiries will be removed and that my credit file will be corrected accordingly. 


Sincerely, XXXX XXXX XXXX : XX/XX/year> CFPB Complaint Reference # XXXX CFPB Complaint Reference # XXXX am writing in response to your notification that the negative student loan account reported on my credit file has been verified by the furnisher. I respectfully dispute this determination and request a further investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c.

The derogatory item in question is related to a student loan account that became delinquent over 11 years ago. Under the FCRA, adverse information such as late payments, defaults, or charge-offs must be removed after 7 years from the original date of delinquency, not from the date of transfer or activity by a subsequent servicer.

FCRA 605 ( a ) ( 5 ) states : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years shall not be included in any consumer report.

The continued reporting of this outdated negative information is both inaccurate and unlawful under federal credit reporting law. The fact that the servicer verified the debt does not override the legal limit of how long negative information may be reported.

I am requesting : 1.Immediate removal of all derogatory references to this account from my credit report.

2.Confirmation that my consumer file has been updated accordingly.

3.An explanation from the furnisher justifying the ongoing reporting of a delinquency over 7 years old.

Please be advised that failure to comply may constitute a violation of federal law and may be grounds for further legal action.

Additional Statement Regarding Unauthorized Credit Inquiries In addition to the issue previously addressed, I am also disputing unauthorized hard inquiries appearing on my credit report. These inquiries were conducted without my knowledge, consent, or permission, and they are not related to any credit application I personally made. 

Specifically, I have reason to believe that my personal information was used without my authorization to seek financing for a vehicle in my name. I did not apply for any auto loan or authorize anyone to run my credit for such purposes. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, credit inquiries are only permissible when there is a legitimate and authorized intent by the consumer to obtain credit. These inquiries were fraudulent, and their continued presence on my report negatively impacts my credit score and violates my consumer rights.

I am requesting the following : 1.The removal of all unauthorized inquiries related to the vehicle financing attempts.

2.The names and contact information of the entities that pulled my credit. 
3.A full investigation into how these inquiries were initiated and by whom.

If necessary, I am prepared to file a police report and fraud affidavit to support this claim and further protect my identity.

Please confirm that these inquiries will be removed and that my credit file will be corrected accordingly. 


Sincerely, XXXX XXXX XXXX : XX/XX/year> CFPB Complaint Reference # XXXX am writing in response to your notification that the negative student loan account reported on my credit file has been verified by the furnisher. I respectfully dispute this determination and request a further investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c.

The derogatory item in question is related to a student loan account that became delinquent over 11 years ago. Under the FCRA, adverse information such as late payments, defaults, or charge-offs must be removed after 7 years from the original date of delinquency, not from the date of transfer or activity by a subsequent servicer.

FCRA 605 ( a ) ( 5 ) states : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years shall not be included in any consumer report. 

The continued reporting of this outdated negative information is both inaccurate and unlawful under federal credit reporting law. The fact that the servicer verified the debt does not override the legal limit of how long negative information may be reported.

I am requesting : 1.Immediate removal of all derogatory references to this account from my credit report.

2.Confirmation that my consumer file has been updated accordingly.

3.An explanation from the furnisher justifying the ongoing reporting of a delinquency over 7 years old.

Please be advised that failure to comply may constitute a violation of federal law and may be grounds for further legal action.

Additional Statement Regarding Unauthorized Credit Inquiries In addition to the issue previously addressed, I am also disputing unauthorized hard inquiries appearing on my credit report. These inquiries were conducted without my knowledge, consent, or permission, and they are not related to any credit application I personally made. 

Specifically, I have reason to believe that my personal information was used without my authorization to seek financing for a vehicle in my name. I did not apply for any auto loan or authorize anyone to run my credit for such purposes. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, credit inquiries are only permissible when there is a legitimate and authorized intent by the consumer to obtain credit. These inquiries were fraudulent, and their continued presence on my report negatively impacts my credit score and violates my consumer rights.

I am requesting the following : 1.The removal of all unauthorized inquiries related to the vehicle financing attempts.

2.The names and contact information of the entities that pulled my credit. 
3.A full investigation into how these inquiries were initiated and by whom. 

If necessary, I am prepared to file a police report and fraud affidavit to support this claim and further protect my identity. 

Please confirm that these inquiries will be removed and that my credit file will be corrected accordingly. 


Sincerely, XXXX XXXX XXXX : XX/XX/year> CFPB Complaint Reference # XXXX

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