Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Via USPS Certified Mail : XXXX Re : Consumer Direct Dispute of Inaccurate/ Incomplete item of Inquires To : EXPERIAN XXXX XXXX XXXX My Full Legal name is XXXX XXXX XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX and my social security number is XXXX and birthdate is XXXX. I am an individual and consumer as defined under 15 U.S.C & 1681a ( c ).

Please remove ALL OTHER NAMES, ALIASES, ADDRESSES, Employers to remain accurate by Law. 
The inquires below you reported is Inaccurate and I request that it be deleted Immediately or face Legal Actions : Unauthorized Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above listed inquires was not authorized by me and made with no legal permissible purpose. 
Mail me a copy of the complete consumer file that you have on me after you act on this dispute. 
Once verified, I request a description of the procedure used to determine accuracy and completeness. 
I have enclosed a copy of my drivers license and social security card as proof of my identity mailing address, also a screenshot of the inquiry showing on my Experian account and my XXXX XXXX account. 
Be advised that the above and enclosed are sufficient information for you to legally act on my dispute. Any delay tactics or needless requests for information will not avoid your legal obligations to me Sincerely, XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures U.S. Code Notes EDIA ( a ) IDENTITY AND PURPOSES OF CREDIT USERS Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assre maximum possible accuracy of the information concerning the individual about whom the report relates.

Q ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Federal Rules of Evidence ( Rule 1002 - Best Evidence Rule ) : ( 1 ) promptly delete that item of information from the file of the consumer, or modify that Item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Credit reporting agencies must follow reasonable procedures to ensure maximum accuracy. Unverifiable or inaccurate information must be corrected or removed within 30 days of a formal dispute.

Federal Rules of Evidence ( Rule 1002 - Best Evidence MITICLE KOONTENTE OF Original documentation is required to validate the accuracy of a debt. Copies or electronic reproductions are insuf

ficient u 100. is unavailable for valid reasons. Uniform Commercial Code ( UCC 8-102 ) : Ownership or entitlement of a certificated security requires possession of the original document or a proper assignment.

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