Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
The claims reported against me fail to meet the minimum federal requirements for legal and compliant reporting. I am now exercising my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards to challenge the reportability of each unverified claim listed below. 

I demand that you provide verifiable, factual, and certified evidence that each account was reported using the compliant XXXX XXXX format and that the reporting followed proper and lawful procedures. Any deviation, omission, or failure to meet these standards constitutes unethical and potentially unlawful conduct. You are required to DELETE all unverified or non-compliant items immediately or send physical documentation verifying full compliance. 

I do not authorize you or any entity to accept, retain, report, transcribe, or use any of my personal information unless it is confirmed to be factual, accurate, and reported in full compliance with XXXX XXXX standards. Per FCRA Section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX guidelines, I am contesting any claim that is alleged without proof and not certified as accurate, complete, and lawfully submitted. Derogatory or delinquent marks without concrete proof are unacceptable and must be removed. 

You are legally obligated to report only accurate and verifiable data. Reporting false, incomplete, or unconfirmed claims violates federal law and my states consumer protection laws. Retaining such data, knowing it is non-compliant, is unlawful. 

This letter is your notice. You have 30 days to complete a reasonable investigation and either : Provide physical, certified documentation verifying compliance, OR DELETE the disputed item ( s ) from my credit report entirely. 

Also, I demand physical proof of permissible purpose for each of the following inquiries : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I never gave written or verbal consent for these inquiries. If you can not produce a credit application bearing my signature or proof of a valid permissible purpose ( FCRA 1681b ), DELETE these inquiries IMMEDIATELY. Failure to do so continues to harm my credit and violates my rights under the FCRA. 

Let me be clearcredit pulls are only permitted for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order If the inquiry does not fall under one of these categories, then it is unauthorized and must be deleted. You have one opportunity to prove that I applied for credit and authorized these companies to access my file. If you cant, DELETE IT NOW.

I also want to make this clear : if you ignore this demand or fail to take action, I will pursue all available remedies, including legal action. Civil suits under the FCRA allow for {$1000.00} per violation. And if your negligence or misconduct causes further harmsuch as enabling identity theftI will escalate this to include criminal complaints and fraud investigations. 

If you refuse to comply, I will consider your inaction willful, hostile, and deliberately injurious. I expect confirmation of deletion or full documentation of compliance sent to me via physical mail. Anything less will be treated as non-compliance.

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