Consumer complaint received 2025-12-07 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: DC

Complaint narrative:
FORMAL DISPUTE OF MULTIPLE INACCURACIES REQUEST FOR COMPLETE INVESTIGATION & DELETION UNDER FCRA 602 ( A ), 604, 605, 607 ( B ), 609, 611 CFPB COMPLAINT ALSO FILED I am writing to dispute multiple inaccurate and fraudulent items currently appearing on my credit report. I am requesting an immediate and thorough investigation as required under the Fair Credit Reporting Act ( FCRA ). 

I am filing this dispute with all three credit bureaus, and I want this letter to also serve as notice that I am submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to the severity of these errors, the risk of identity confusion, and the impact on my credit file. 

XXXX. INCORRECT NAME NOT MINE Reported Name : XXXX XXXX XXXX FCRA Violations : 607 ( b ) Must assure maximum accuracy 605 ( a ) Wrong identifiers can not remain on a file Action Requested : Immediately delete this name from my report. 

XXXX. INCORRECT ADDRESS NOT MINE Reported Address : XXXX XXXX XXXX, XXXX, AR I have never lived in Arkansas and have no connection to this location. 



Action Requested : Delete this address immediately. 

XXXX. INCORRECT DATE OF BIRTH, PHONE NUMBER, AND EMAIL The following information does not belong to me : XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Action Requested : Remove all incorrect identifying information. 

XXXX. INCORRECT EMPLOYER NOT MINE Reported Employer : XXXX XXXX I have never worked for, applied to, or been associated with XXXX XXXX. 



Action Requested : Delete this employer from my file. 

XXXX. UNAUTHORIZED HARD INQUIRY XXXX  XXXX XX/XX/XXXX This inquiry was not authorized by me and has no permissible purpose. 



FCRA 604 ( a ) * * requires verifiable permissible purpose.

Action Requested : Delete this unauthorized inquiry. 

XXXX. FRAUDULENT / INACCURATE COLLECTION ACCOUNTS The following collection accounts do not belong to me and appear tied to the same incorrect identity : 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  FCRA Violations : 602 ( A ) Right to accurate reporting 607 ( b ) Duty to maintain maximum accuracy 611 Must delete unverifiable or incorrect information 609 ( a ) Must disclose furnisher and original creditor Action Requested : Delete all three accounts unless full documentation from the original creditor proves they belong to me. 

Database matching or electronic verification is not acceptable. 

REQUEST FOR METHOD OF VERIFICATION ( MOV ) Under FCRA 611 ( a ) ( 6 ), I am requesting : The method of verification used The furnisher of information The original creditor Copies of signed applications/contracts Proof of permissible purpose for the XXXX  XXXX inquiry If you can not provide this documentation, you are required by law to delete the disputed information.

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