Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Deletion of Inaccurate, Unauthorized, and Unverified Information Pursuant to the FCRA To Whom It May Concern : I am writing to formally request the immediate deletion of inaccurate negative information appearing on my credit report maintained by Experian. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information reported on a consumer credit report be accurate, complete, verifiable, and authorized. Any information that fails to meet these standards must be promptly removed. 

- Request for Removal of Outdated and Inaccurate Personal Information : I also request that you delete any and all outdated, inaccurate, or unverifiable personal information from my file, such as former addresses, incorrect phone numbers. Maintaining obsolete or erroneous personal data increases the risk of credit reporting errors and misidentification. 
my correct name : XXXX XXXX XXXX XXXX my correct phone number : ( XXXX ) XXXX my correct XXXX XXXX XXXX XXXX XXXX, Florida, XXXX The following account and credit inquiries listed below were not authorized by me, do not match across the three credit bureaus, and have not been properly verified, and therefore must be deleted : Information to Be Deleted : Incorrect Account Reported by Experian : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Closed Chargeoff Credit Limit : {$400.00} Last Payment Reported : XX/XX/XXXX Creditor Remark : Unpaid balance reported as a loss by the credit grantor Payment History : Shows late payments from XXXX to XX/XX/XXXX, ending in charge-off Important Note : This account is not reflected in XXXX XXXX XXXX which indicates inconsistent and unverified reporting practices. 

Unauthorized Inquiries on My Experian Report : 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 I have repeatedly requested documentation or evidence of my authorization from both the furnishers and Experian, and to date, I have received no valid response. This situation has had a serious and damaging effect on my credit profile and my ability to access necessary financial opportunities, including housing. 

To further support my request and establish an official record of my dispute, I have filed a report with the Federal Trade Commission ( FTC ) under report number XXXX. 

I hereby request the following : Immediate and permanent deletion of the account and inquiries listed above. 

Written confirmation that this information has been removed from my credit file. 

Assurance that this information will not be re-reported to any third party or reinserted into my credit report without verified and lawful authorization.

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