Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in my credit report, as identified below. I demand an immediate investigation to resolve any inaccuracies in the credit report. Otherwise, you must delete them from my credit file. 

1ST PART OF THIS LETTER : PERSONAL INFORMATION Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX My only Social Security Number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers listed on my report. 

Additionally, please remove all other addresses from my report, as they are not deliverable to me by the XXXX. Postal Service. Under the FCRA, inaccurate addresses are not reportable. 

XXXX PART OF THIS LETTER : CREDIT INQUIRIES I did not authorize anyone employed by the companies listed below to make inquiries or view my credit report. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these inquiries, bearing my signature, authorizing them. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from my credit file. 

The FCRA states that the only permissible purposes for pulling a credit report are : A firm offer of credit, Insurance, Court order, or Employment.

I am unaware of the inquiries listed below. Since I never authorized them, I demand that your agency remove them from my credit report. 

XXXX PART OF THIS LETTER : INACCURATE INFORMATION According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through physical verification of the original signed consumer contract, any and all accounts that you report. Otherwise, fraudulent accounts could easily be submitted by fax, mail, or email. 

I demand verifiable proof ( an original signed consumer contract with my signature ) for the accounts listed below. Your failure to positively verify these accounts has harmed my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you can not provide a copy of verifiable proof, you must delete the account immediately. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. 

Also, be advised that I am aware that no statute in the FCRA requires me to provide a Power of Attorney, nor does the absence of such documentation allow you to delay the processing of a consumers dispute.

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