Consumer complaint received 2025-10-05 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: VA

Complaint narrative:
Experian Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate and Fraudulent Information Under FCRA 611 ( a ) Dear Experian Dispute Department, I am writing to formally dispute several inaccurate and potentially fraudulent items on my credit report dated XX/XX/XXXX. The following accounts and inquiries are reported in error or are the result of unauthorized activity : XXXX/DOFED Account ending XXXX {$80000.00} Inaccurate balance and duplicate of {$18000.00} deferred loan. Multiple Dept. of Education / XXXX accounts Duplicate tradelines reporting the same student loans. XXXX  XXXX ( Closed ) {$130.00} charged off dispute resolved but inaccurate. XXXX XXXX, XXXX XXXX Bank charged-off or misreported accounts. XXXX XXXX & XXXX XXXX  XXXX collection accounts requiring verification. All hard inquiries between XXXX ( XXXX XXXX Bank, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, etc. ) unauthorized and to be removed under FCRA 604 ( a ) ( 2 ). Please investigate these matters and provide written verification of each item. If the information can not be verified, it must be deleted immediately as required by FCRA 611 ( a ). 
Dispute and Loan Verification XXXX XXXX Dept. of Education XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Full Account Verification and Deferment Correction Dear XXXX Customer Service, I am requesting verification and correction of my federal student loan accounts reported to Experian under your name. Specifically, the account with a balance of {$80000.00} ( opened on XX/XX/XXXX ) appears to be a duplicate or an inaccurately reported loan. The accurate status is deferred, as reflected in the {$18000.00} account opened on XX/XX/XXXX. Please confirm in writing the total number of loans under my name and verify that all qualifying federal loans are currently in deferment status. Any inaccurate or duplicate entries must be corrected and updated with all credit bureaus per FCRA 623 ( a ). Debt Validation Request XXXX XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Debt Validation under FDCPA 809 ( b ) Dear XXXX XXXX, I am requesting validation of the debt you are reporting to Experian for {$260.00}, originally listed as XXXX XXXX XXXX Please provide written proof of the original contract, a full account history, and your authorization to collect this debt. Until such validation is provided, you must cease all collection and reporting activity as required by the FDCPA 809 ( b ). 
Debt Validation Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Validation of XXXX  Account {$250.00} Dear XXXX XXXX XXXX, This is a formal request for debt validation under the Fair Debt Collection Practices Act, 809 ( b ). You are reporting a {$250.00} debt allegedly owed to XXXX. Please provide written documentation showing my liability for this account, the original contract, and complete payment history. If you can not validate, this item must be deleted from all credit bureaus immediately. 

Inquiry Removal Request Experian Experian Information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Request for Removal of Unauthorized Credit Inquiries Dear Experian, I am requesting deletion of all unauthorized hard inquiries appearing on my credit file between XXXX and XXXX, including but not limited to XXXX XXXX Bank, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I did not authorize these inquiries, and they constitute violations of FCRA 604 ( a ) ( 2 ). Please investigate and remove these inquiries from my file immediately. 
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