Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
To whom it May concern : I am writing to dispute reported on my credit accounts that I believe to be inaccurate and not belonging to me. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to request verification of any negative information on my credit report. 

Please eliminate the following checkpoints, alerts, and alias name variations & address variations on files that are incorrectly maintained on my credit report. Obviously, these are typographical errors or mistakes and can make the credit report look like I am involved in fraud. 

The only information that should appear in my report is the correction information in this letter and it is as follows : My correct name is : XXXX XXXX XXXX only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove other incorrect addresses from my credit report immediately. 
My correct phone number is : XXXX Please make these corrections and send me a copy of my updated report for my records. Also, provide the names, addresses, and phone numbers of the companies that caused these errors so you can follow up. 

Please I need my full credit report as required by the Fair Credit Reporting Act. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. 

The following account has errors and is presenting incorrect and inaccurate information. 

The following account is reporting incorrect information. 
Account Name : XXXX XXXXXXXX Account Number : XXXX Dispute Reason : Incorrect Balance Reporting I am disputing the reported balance for the following account because it is inaccurate and does not reflect the correct amount. The correct balance is {$0.00}. This account has been paid in full and should not report any outstanding balance. Please update the account to reflect a XXXX balance, as required under the Fair Credit Reporting Act ( FCRA ), and remove any negative information associated with this incorrect balance. 

The following account is reporting incorrect information. 
Account Name : XXXX XXXX  Account Number : XXXX  Dispute Reason : Incorrect Balance Reporting I am disputing the reported balance for the following account because it is inaccurate and does not reflect the correct amount. The correct balance is {$0.00}. This account has been paid in full and should not report any outstanding balance. Please update the account to reflect a XXXX balance, as required under the Fair Credit Reporting Act ( FCRA ), and remove any negative information associated with this incorrect balance. 
Unauthorized Hard Inquiries Request for Immediate Deletion In addition, I formally dispute several unauthorized hard inquiries listed on my credit report. These inquiries were made without my knowledge or consent, and I never initiated any credit application with the entities involved. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( Section 604 ), a consumer reporting agency may only furnish a consumer report with the written authorization of the consumer or for a permissible purpose as defined by law. 
The following inquiry was unauthorized and must be removed : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by law, I request that you provide : The specific permissible purpose under which the inquiry was made A copy of the signed authorization allegedly provided by me The name and address of the entity that initiated the inquiry If you are unable to verify that I authorized these inquiries, they must be immediately removed from my credit report. Failure to do so may constitute a willful or negligent violation of the FCRA, subject to civil liability under 15 U.S.C. 1681n and 1681o. 
I am disputing the manner in which this account is reporting. Under section 1681j of the FCRA, investigate this account free of charge. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification. 

Please delete any prior addresses and different names from my credit file other than those presented in this letter. This is important to me. 

Please delete all inquiries that can not be validated with my signature. I do not recognize many of the inquiries that are being reported on my credit bureau. 

Your immediate attention to this matter is greatly appreciated. Please send me a copy of my updated credit report as soon as your investigation is complete. 

After the investigation is complete, please remove the comments in dispute by consumer.

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