Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
To Whom It May Concern : Subject : Formal Dispute of Inaccurate and Unverifiable Information Under the Fair Credit Reporting Act ( FCRA ) I am writing to dispute several inaccurate and unverifiable items listed on my credit report with your bureau. These items violate the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681e ( b ) requiring credit bureaus to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) requiring prompt investigation and correction or deletion of disputed items I am requesting immediate investigation and correction or removal of the following : XXXX XXXX. Incorrect or Unrecognized Names My credit file contains names and aliases that I have never used and which are not associated with me. 
XXXX. Outdated or Inaccurate Addresses There are addresses listed on my credit report that I have not lived at in years, and some that are completely unfamiliar to me. 
XXXX. Incorrect or Unrecognized Phone Numbers My report includes phone numbers that I have never used or authorized. 
XXXX. Accounts That Are Not Mine There are credit accounts listed under my report that I have never opened or applied for. These accounts are either fraudulent or inaccurately reported. 
XXXX. Duplicate and Excessive Hard Inquiries There are multiple hard credit inquiries recorded on the same day from the same or similar creditors. This is improper and misleading. 
Furthermore, under the FCRA and credit scoring model practices, consumers are protected by what is commonly referred to as the " rate shopping window '' : During this window ( typically XXXX  days depending on the scoring model ), multiple inquiries of the same type ( e.g., auto loans, mortgage loans, student loans ) are supposed to count as XXXX XXXX inquiry for credit scoring purposes. 
The reporting of more than XXXX identical hard pulls on the same day appears to violate this principle and unfairly harms my creditworthiness. 
XXXX  I am formally requesting the following actions under the FCRA : Remove all inaccurate or unrecognized names Delete all outdated or incorrect addresses Remove all incorrect or unrecognized phone numbers Investigate and delete all unauthorized or unverifiable accounts Remove redundant or excessive hard inquiries that violate the rate shopping window protections Under 15 U.S.C. 1681i ( a ), you have XXXX days to complete your investigation and provide written notice of the results. If the information can not be verified, it must be removed immediately. You are also required to send me a free, updated copy of my credit report after the investigation. 
Please find enclosed a copy of my government-issued ID and a recent utility bill to verify my identity. 
Thank you for your immediate attention to this matter. 
Sincerely,

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