Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Complainant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting, Unauthorized Inquiries, and Unverifiable Accounts 1. Background I am submitting this complaint regarding repeated inaccuracies, unauthorized inquiries, and unverifiable accounts appearing on my credit report ( s ).

Upon review, I identified multiple issues including : Incorrect current and previous addresses Incorrect or mixed employer information Unauthorized hard inquiries Accounts reporting incorrect status or balances Accounts that can not be validated Many of these inaccuracies appear linked to large-scale data breaches, including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX and healthcare breaches. These errors indicate mixed-file reporting and potential identity compromise. Immediate corrective action is required.

2. Legal Basis for Complaint These errors constitute violations of federal and state law : Fair Credit Reporting Act ( FCRA ) 1681i ( a ) Right to dispute inaccurate, incomplete, or unverifiable information and demand reinvestigation within 30 days 1681e ( b ) Requirement for reasonable procedures to ensure maximum accuracy 1681b Requirement for permissible purpose for inquiries 1681s-2 & 1681c Obligations of furnishers to provide accurate information Fair Debt Collection Practices Act ( FDCPA ) where applicable Missouri Merchandising Practices Act ( MMPA ) for deceptive or inaccurate reporting FTC guidance regarding consumer rights following large-scale data breaches Failure to investigate, validate, or delete inaccurate items constitutes a willful violation of federal law.

3. Specific Issues Identified Personal Information Errors Multiple incorrect addresses ( current and previous ) Inaccurate employer listings Unauthorized / Unverified Inquiries Multiple hard inquiries without my authorization Accounts Reporting Inaccuracies Accounts with incorrect status, balance, or dates Accounts that can not be verified or validated Data Breach Exposure Many of these issues appear consistent with known large-scale data breaches, indicating a failure to protect consumer inform

ation. 4. Escalation Warning Failure to comply with federal and state law may result in : FTC enforcement action Missouri Atto
rney General intervention Private legal action for statutory and punitive damages 5. Attachments/ References Copies of all dispute letters Consolidated list of disputed items including addresses, employers, inquiries, and accounts References to known data breaches affecting personal information Yours sincerely, 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