Consumer complaint received 2025-05-05 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: NY

Complaint narrative:
Dispute Letter to Experian [ Date : XX/XX/XXXX ] Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Reference # XXXX ) Dear Experian, I am writing to dispute inaccurate information contained in my credit report, identified under Reference # XXXX, dated XX/XX/XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which requires reasonable procedures to ensure accuracy, 15 USC 1681s-2, which holds furnishers accountable for accurate reporting, and 15 USC 1681i ( a ) ( 5 ), which mandates the deletion of unverifiable information, I request the immediate investigation and removal of the following disputed items.

Disputed Items Category : Risk Factors 1. Item Code : XXXX - Insufficient Credit History Details Reported : Lack of sufficient credit history, impacting score ( XXXX ) Inaccurate Details : No specific accounts listed ; date of birth reported as XXXX ( incomplete ) ; current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX updated XX/XX/XXXX, but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX omitted Bureau : Experian Requested Action : The incomplete history, partial date of birth, and missing address history are inaccurate. Verify all accounts from XXXX and include XXXX XXXX XXXX, deleting this item if unsupported. 
XXXX. Item Code : XXXX - Unpaid Collection Accounts Details Reported : Too many unpaid collection agency accounts Inaccurate Details : No specific creditor or balance provided; possible link to XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) from creditor contacts ; no account number or date opened Bureau : Experian Requested Action : The unspecified collections are unverifiable. Identify specific accounts ( e.g., XXXX XXXX XXXX ) with balances and dates, and remove this item if not substantiated.

Category : Customer Statement/Fraud Alert 3 . Item Code : XXXX - Fraud Alert Discrepancy Details Reported : No fraud alert explicitly listed ( unlike XXXX ) Inaccurate Details : Inconsistency with other bureaus reporting initial fraud alert ( XXXX ) XXXX ; address XXXX XXXX XXXX XXXX XXXX XXXX XXXX may conflict with fraud records Bureau : Experian Requested Action : The absence of a fraud alert despite other bureau reports is inaccurate. Verify consistency with XXXX and update or remove if unsupported. 
Please conduct a thorough investigation within the 30-day period required under FCRA 15 USC 1681i ( a ) ( 1 ) and provide me with the results, including any deleted items, as required by 15 USC 1681i ( a ) ( 6 ). Enclosed are copies of my drivers license and the credit report for your reference.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX 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