Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Company : Experian To Whom It May Concern : Upon reviewing my credit report, I have identified certain item ( XXXX ) that are incorrect : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. I demand A signed copy of the original Master Promissory Note ( MPN ) bearing my wet-ink signature XXXX XXXX XXXX Account Number : 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 * Please remove this inaccurate information from my credit report. 

XXXX. Potential Violations of the FCRA XXXX unverifiable debts is a direct violation of XXXX XXXX. XXXX ( b ) and XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX. Pursuant to XXXX XXXX. XXXX ( FDCPA ) and XXXX XXXX. XXXX ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
PORTFOLIO RECOV ASSOC Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX. Pursuant to XXXX XXXX. XXXX ( FDCPA ) and XXXX XXXX. XXXX ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX. Pursuant to XXXX XXXX. XXXX ( FDCPA ) and XXXX XXXX. XXXX ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX. Pursuant to XXXX XXXX. XXXX ( FDCPA ) and XXXX XXXX. XXXX ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX. Potential Violations of the FCRA XXXX unverifiable debts is a direct violation of XXXX XXXX. XXXX ( b ) and XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX. Violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section XXXX XXXX XXXX  XXXX XXXX. Please remove from my credit report XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX violation XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX. Violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer. Delete immediately. 
XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX. Potential Violations of the FCRA XXXX unverifiable debts is a direct violation of XXXX XXXX. XXXX ( b ) and XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX XXXX ( XXXX ) client privacy information. Delete this item immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 


In accordance with the provisions of the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my report. As per my understanding, you are required to verify these items with the creditor responsible for their inclusion. Any information that the creditor is unable to verify must be promptly removed. I am aware that, as stated in XXXX XXXX. Sec. XXXX ( a ), you are obliged to complete this reinvestigation within XXXX days of receiving this letter. 

Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no fee charged for this updated report. Additionally, I request that you notify any parties who have received my credit report in the past XXXX months of any necessary corrections. 

Thank you for your attention and assistance in resolving this matter.

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