Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to you under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally dispute several inaccurate, outdated, and unauthorized items listed in my credit report. 

These inaccuracies are severely damaging my credit score and affecting my ability to secure housing, employment, and fair access to credit. I respectfully request a full investigation into the matters detailed below and demand that you delete any unverifiable, inaccurate, or duplicate information from my credit file as required by FCRA 611 ( a ) and 607 ( b ). 
Accounts in Dispute : 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 It has come to my attention that both XXXX XXXX XXXX XXXX XXXX are reporting the same account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is clear evidence of a duplicate tradeline, which violates FCRA 607 ( b ), which mandates furnishers to report with maximum possible accuracy. Reporting the same debt multiple times creates a misleading impression and unfairly damages my credit profile. 

Additionally, XXXX XXXX appears inaccurate or unverified, and I request full validation of this account. The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also requires investigation and verification. 

Remove any and all duplicate entries ( e.g., XXXX XXXX XXXX  ) referencing the same account. 

Validate and correct or delete XXXX XXXX. 

Validate and confirm reporting accuracy for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Provide documentation of ownership and accuracy, or remove the account ( XXXX ) as required by law. 

Unauthorized Inquiries FCRA 604 Violation The following hard inquiries appear on my credit file without my knowledge, consent, or initiation. I never applied for credit with these companies, and they did not have a permissible purpose to pull my report. 

Inquiry Name Date ( 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  Under FCRA 604 ( a ) ( 3 ), please verify that each inquiry had a legitimate purpose and was authorized by me. If the creditor can not provide documented evidence of my consent, these inquiries must be permanently deleted from my file.

As a consumer trying to recover from past financial hardship, these reporting errors are unjustly punishing. Ive worked hard to rebuild my life, only to be held back by duplicated debts, unauthorized access to my credit report, and unverifiable information that should not legally remain on file. The emotional toll and long-term impact on my ability to support myself and my family is immeasurable. I am not asking for favorsI am asking for fairness under federal law.

FCRA 611 Right to dispute inaccurate or unverifiable information FCRA 607 ( b ) Duty to report with maximum possible accuracy FCRA 604 ( a ) ( 3 ) Credit inquiries require permissible purpose FCRA 602 ( a ) Consumers have the right to fair and equitable credit reporting Please conduct your investigation within 30 days, as required under FCRA, and notify me in writing of the results. If an item can not be verified, it must be removed.

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