Consumer complaint received 2025-06-06 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 contesting any inaccurate or undocumented information found in my credit report, including unverified claims. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the accepted Metro 2 data field reporting standard. The alleged delinquency and inquiries lack factual proof, and I am therefore challenging their reportability. 

Federal and state laws require the accurate and complete reporting of allegations. It is inappropriate and unlawful to report claims that are known or should reasonably be known to be unverifiable or false. 

I hereby notify you to ensure the accuracy and correctness of all claims on my credit report, as mandated by the Metro 2 reporting standard. I kindly request that you furnish verifiable physical evidence to substantiate the existence of the account ( s ) in question and their permissible usage. Should this evidence be lacking, I expect the immediate removal of said account ( s ) from my report. I also authorize you to send me physical documentation of all actions taken and an updated credit report. 

Listed below is the personal information that is being challenged : Incorrect Previous Address : XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX, TX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Employer : XX/XX/XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Name : XXXX XXXX Employer : XX/XX/XXXX Incorrect Date of Birth : XXXX Incorrect Name : XXXX XXXX Listed below is the collection being challenged : XXXX - XXXX * * Listed below are the inquiries that are being challenged : XX/XX/XXXXXXXX You violated United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports. This law clearly states : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' Under 15 U.S. Code 1681b, I never gave you any written consent to report anything on my consumer report. As a consumer, by law, these accounts and inquiries listed in this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. 

This matter has already been reported and submitted to the Consumer Financial Protection Bureau ( CFPB ), the Attorney Generals Office, theXX/XX/XXXX), and the Federal Trade Commission ( FTC ). 

I write to express my profound disappointment and concern upon discovering an inquiry on my credit report from an entity with whom I am not familiar. As you are well aware, the Fair Credit Reporting Act strictly prohibits any unauthorized access to an individual 's credit information. 

I respectfully request that you provide me with concrete evidence supporting the validity of this inquiry. Please furnish documentation, including my signature, proving that I applied for a loan or business transaction with this company, along with any other relevant supporting material. The presence of these inquiries on my credit report is unacceptable, and they must be removed immediately. 

I trust you understand the seriousness of this situation and will take immediate corrective action. I expect to receive a timely and satisfactory resolution. 

Please keep me informed of any progress and provide clear documentation of the steps you are taking to ensure that my credit report accurately reflects my credit history. 

Unauthorized Hard Pull XXXX  - XX/XX/year> Please refer to Section 604 of the FCRA. I demand immediate deletion of this inquiry from my credit report. 

I am writing to bring to your attention my knowledge of the unlawful practices being employedspecifically the use of form letters in response to legitimate consumer disputes, without consideration of the specific details provided in each case. This is a direct violation of 15 U.S. Code 1681i, which mandates that each dispute be investigated thoroughly and on an individual basis.

Please note that while the dispute letters may be generated using standard formats, the information included is specific, factual, and legally valid. Dismissing such letters without proper investigation is a violation of my rights as a consumer. 

I urge you to acknowledge the seriousness of this matter. If this deliberate disregard of my rights continues, I will be forced to consult legal counsel and pursue legal remedies. 

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with FCRA and Metro 2 standards. It is imperative that all allegations be supported by factual evidence, as required by federal and state regulations. 

Please ensure that your reporting is accurate, verifiable, and compliant with the Metro 2 standard. I kindly request tangible evidence confirming the account 's existence and permissible use. If no such evidence exists, I expect the item to be deleted from the report. I also authorize the mailing of physical documentation confirming the actions taken and an updated copy of my credit report. 

Reiterated Disputed Personal Information : Incorrect Previous Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Employer : XXXX EMP Employer : XXXX XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Name : XXXX XXXX Employer : XXXX XXXX Incorrect DOB : XXXX Additional Disputed Collections : XXXX - XXXX * * Additional Disputed Inquiries : 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 I must bring to your attention that my rights are being violated due to your reporting practices. The concerns outlined in this letter clearly demonstrate incomplete, inaccurate, and non-compliant reporting that fails to meet the required standards. 

It is imperative that you bring your reporting practices into full compliance with FCRA and Metro 2 standards. This includes truthful, timely, complete, and accurate reporting. Failure to resolve these matters may compel me to escalate the situation to the CFPB, FTC, and my State Attorney General.

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