Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
b'TransUnion Consumer RelationsXXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate and Unauthorized Information under 15 U.S.C.  1681b (FCRA 604)\nDear TransUnion,\n\nI am writing to formally dispute inaccurate and unauthorized information that appears on my TransUnion credit report. Pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C. 1681b), I never provided written consent for any third party to furnish, obtain, or distribute my consumer information. I am requesting immediate removal of all unverified, outdated, or unauthorized items listed below.\nInaccurate Names\nOnly accurate name: XXXX XXXXPlease delete the following incorrect variations:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIncorrect or Outdated Addresses\nOnly accurate address: XXXX XXXX XXXX XXXX XXXX XXXXPlease delete:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 XXXXIncorrect Phone Numbers\nOnly accurate number: XXXX XXXXRemove the following inaccurate numbers:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNegative Accounts to Be Deleted (Unauthorized/Unverified)XXXX XXXX XXXX XXXX XXXX  Account #XXXX   Charged Off $XXXX  Opened XXXX   Transferred/Charged Off\n- Credit Collection Services  Account #XXXX  In Collection $XXXX  Original Creditor: Frontier CommunicationsXXXX XXXX XXXX  Account #XXXX  In Collection $XXXX  Original Creditor: XXXX XXXX Fair Collections & Outsourcing  Account #XXXX  In Collection $XXXX   Original Creditor: XXXX XXXX XXXX (Rental/Leasing)\nUnauthorized Inquiries\nPlease remove the following unauthorized hard inquiries made without my consent:XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX  of 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 XXXXI request written confirmation once these items have been deleted or corrected. If TransUnion continues to report them, please provide documented evidence of permissible purpose or written authorization.\n\nSincerely,\n\n\n\n\n\nEquifax Information Services LLC\XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate and Unauthorized Information under 15 U.S.C.  1681b (FCRA 604)\nDear Equifax,\n\nI am writing to dispute inaccurate and unauthorized information appearing on my Equifax credit report. Under the Fair Credit Reporting Act (15 U.S.C. 1681b), I never provided written consent for the furnishing, acquisition, or distribution of my personal consumer information to any third party. Therefore, I am demanding that Equifax remove all the accounts and inquiries listed below that were reported or accessed without my authorization.\nInaccurate Name(s)\nOnly accurate name: XXXX XXXXPlease delete:XXXX XXXX XXXX XXXXIncorrect or Outdated Addresses\nOnly current address: XXXX XXXX XXXX XXXX XXXX XXXXRemove the following outdated/inaccurate addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIncorrect Phone Numbers\nOnly accurate number: XXXX XXXXRemove: XXXX XXXXNegative Accounts to Be Deleted (Unauthorized/Unverified)XXXX XXXX XXXX   Account #XXXX   Charge Off $XXXX  Opened XXXX XXXX Bank XXXX  Account #XXXX  Charge Off $XXXX  Opened XXXX XXXX XXXX XXXX  Account #XXXX  Charge Off $XXXX  Opened XXXX XXXX XXXX XXXX XXXX  Bank XXXX  Account #XXXX   Late payments/90-day delinquencies  Opened XXXX XXXX XXXX  Bank XXXX XXXX  Account #XXXX  Late payment history  Opened XXXX XXXX XXXX  Bank XXXX XXXX  Account #XXXX XXXX delinquencies  Opened XXXXUnauthorized Inquiries\nPlease remove all unauthorized hard inquiries not initiated by me, which were made without my written consent or permissible purpose as required under FCRA 604.\n\nI request written confirmation once these items are deleted. If you continue to report them, please provide a full explanation and evidence of permissible purpose or signed authorization allowing the release of my credit data.\n\nThank you for your attention to this matter.\n\nSincerely,\n\n\n\n\nSubject: Dispute of Inaccurate and Unauthorized Information under 15 U.S.C.  1681b (FCRA 604)\nDear Experian,\n\nI am writing to dispute the inaccurate and unauthorized information appearing on my Experian credit file. Pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C.  1681b), I never gave written consent for the furnishing, acquisition, or distribution of my consumer information to third parties. Please remove all items listed below that were reported or accessed without my authorization.\nInaccurate Names\nOnly accurate name: XXXX XXXXPlease delete the following incorrect variationsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInaccurate/Outdated Addresses\nOnly current and accurate address: XXXX XXXX XXXX XXXX XXXX XXXXRemove the following old or inaccurate addresses: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 XXXX XXXX XXXXIncorrect Phone Numbers\nOnly current and accurate number: XXXX XXXXRemove: XXXX XXXXNegative Accounts to Be Removed (No Written Consent / Inaccurate Reporting)\n- XXXX XXXX  Account #XXXX  Charged off $XXXX (Opened XXXX)\XXXX XXXX XXXX  Account #XXXX   Charged off $XXXX (Opened XXXX XXXX XXXX XXXX XXXX Bank XXXX  Account #XXXX XXXX  day late history (Opened XXXX XXXX  of XXXX   Account #XXXX  Charged off $XXXX (Opened XXXX XXXX XXXX  Account #XXXX  Late payments (Opened XXXX XXXX XXXX   Account #XXXX  Late payments (Opened XXXX XXXX XXXX XXXX  Account #XXXX   Charged off $XXXX (Opened XXXX XXXX XXXX XXXX  Account #XXXX   Charged off $XXXX (Opened XXXXHard and Soft Inquiries to Be Deleted\nPlease remove all unauthorized inquiries not initiated by me. These were made without my written consent or permissible purpose under FCRA 604.\n\nI request written confirmation once these items are deleted. If Experian continues to report them, please provide the documentation showing my written consent or legally permissible purpose allowing the furnishing of my credit data.\n\nSincerely,'

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