Consumer complaint received 2025-06-11 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: MO

Complaint narrative:
I am formally contesting any unverified or undocumented information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standards. Unsubstantiated claims and false allegations are unacceptable. I request that you ensure accurate and lawful reporting. Please provide physical evidence or remove any erroneous claims. Mail all documentation and an updated credit report to me. 

I express deep disappointment and frustration regarding the inclusion of untruthful or unsupported information in my credit report. Violations of the FCRA and XXXX XXXX reporting standards are apparent. I urge you to uphold accurate and lawful reporting practices. Substantiate all claims with physical evidence, or promptly remove them. Please send me physical documentation of your actions and the updated credit report as authorized. 

Listed below is the personal information being challenged : Incorrect Date of Birth : XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX  XXXX, MO XXXX Employer : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX  XXXX, MO XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX Incorrect Name : XXXX XXXX XXXX Listed below is the account being challenged : XXXX XXXX Account Number : XXXX Listed below is the inquiry being challenged : XXXX XXXX XXXX XXXX am formally disputing any unsubstantiated or inaccurate information in my credit report, in adherence to the FCRA and XXXX XXXX XXXX data field reporting standard. I am deeply concerned about the allegations of delinquency and derogatory marks without factual proof, as this violates both federal and state laws. It is essential that you adhere to legal standards by ensuring the accuracy and lawfulness of all claims within my credit report. 

I respectfully request that you provide tangible, verifiable evidence to support the existence of the listed account and confirm it was used for authorized purposes. If such evidence can not be provided, I insist on the immediate removal of the account from my credit report. I hereby authorize the physical mailing of documentation detailing your actions and any updates to my credit report. 

Listed below again is the personal information being challenged : Incorrect Date of Birth : XXXX Employer : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX  XXXX, MO XXXX Incorrect Name : XXXX XXXX XXXX Listed below is the account being challenged XXXX XXXX Account Number : XXXX Listed below are the inquiries being challenged XXXX  XXXX XXXX XXXX XXXX XXXX I am formally contesting any unverified or inaccurately documented information in my credit report, as mandated by the FCRA and the XXXX XXXX data field reporting standard. It is disappointing that baseless allegations and unproven claims are being reported. Please ensure accurate and lawful reporting. Provide physical evidence or remove false claims. Mail documentation and an updated credit report. 

Your failure to adhere to these standards is deeply disappointing. Unsubstantiated allegations and inaccurate reporting are unacceptable. I request full compliance with the law and reporting regulations. Provide verifiable evidence or remove false claims immediately. Mail physical documentation and an updated credit report without delay. 

Listed below is the personal information being challenged : Incorrect Date of Birth : XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX  XXXX, MO XXXX Listed below is the account being challenged : XXXX XXXX Account Number : XXXX Listed below is the inquiry being challenged : XXXX XXXX I must emphasize that the presence of this inquiry on my credit report is adversely affecting my credit score and hindering my ability to obtain necessary credit. As such, I request a prompt response from your office within XXXX ( XXXX ) days. 

I am deeply disappointed and concerned about the current state of your reporting, as it fails to meet the required standards and violates my rights. I have carefully documented these concerns in this formal communication. It is imperative that you fulfill your legal obligation to certify all aspects of FCRA and XXXX XXXX compliance accurately, truthfully, and in a timely manner. Failure to do so will leave me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General.

While I understand that oversights may occur, I am disappointed by the inadequate information provided. I am requesting the immediate deletion of any incorrect, incomplete, or unsupported data. It is essential that the information reported is accurate and up to date. 

I trust that prompt attention will be given to this matter, and that necessary actions will be taken to correct the discrepancies in my credit report. I also urge you to take the necessary steps to prevent similar issues in the future. 

I am looking forward to receiving your written response confirming that appropriate action has been taken to resolve the disputed information in my credit report. Additionally, I request an updated copy of my credit report reflecting these changes

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