Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am demanding the permanent deletion of the following unauthorized inquiries and inaccurate personal identifying data ( PID ).

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ) and 1681i, no consumer reporting agency may furnish or retain inquiries or personal identifiers that are not properly authorized, verified, or accurate. Continuing to publish false or unverifiable information is unlawful, reckless, and especially damaging in light of the Equifax data breach, which has already compromised the reliability of my personal records. 

You have failed to ensure maximum possible accuracy as required under the law. Each of the items listed below is disputed, unverifiable, and must be permanently deleted. 

Unauthorized Inquiries XXXX  XX/XX/XXXX My identity was stolen due to a data breach, and this company accessed my credit report without consent, violating the FCRA. I request immediate removal of this unauthorized access from my report. 

XXXX XXXX  XX/XX/XXXX My identity was stolen due to a data breach, and this company accessed my credit report without consent, violating the FCRA. I request immediate removal of this unauthorized access from my report. 

XXXX XXXX XX/XX/XXXX My identity was stolen due to a data breach, and this company accessed my credit report without consent, violating the FCRA. I request immediate removal of this unauthorized access from my report. 

XXXX XXXX  XX/XX/XXXX My identity was stolen due to a data breach, and this company accessed my credit report without consent, violating the FCRA. I request immediate removal of this unauthorized access from my report. 

Inaccurate Personal Identifying Data ( PID ) Incorrect Name XXXX XXXX XXXX / XXXX XXXX XXXX I do NOT want any name, address, SSN, or date of birth other than what I listed in this letter to be retained or reported. 
Please DELETE any other personal information that infringes on my consumer rights OR provide evidentiary PROOF of the legal right to retain such information. 

Incorrect Date of Birth XX/XX/XXXX / XXXX I do NOT want any name, address, SSN, or date of birth other than what I listed in this letter to be retained or reported. 
Please DELETE any other personal information that infringes on my consumer rights OR provide evidentiary PROOF of the legal right to retain such information. 

Incorrect Address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX / XXXX I do NOT want any name, address, XXXX, or date of birth other than what I listed in this letter to be retained or reported. 
Please DELETE any other personal information that infringes on my consumer rights OR provide evidentiary PROOF of the legal right to retain such information. 

Incorrect Address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX I do NOT want any name, address, XXXX, or date of birth other than what I listed in this letter to be retained or reported. 
Please DELETE any other personal information that infringes on my consumer rights OR provide evidentiary PROOF of the legal right to retain such information. 

Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX / XXXX I do NOT want any name, address, SSN, or date of birth other than what I listed in this letter to be retained or reported.

Please DELETE any other personal information that infringes on my consumer rights OR provide evidentiary PROOF of the legal right to retain such information.

Inaccurate Employer Information OLE RED I do NOT want any name, address, SSN, or date of birth other than what I listed in this letter to be retained or reported. 
Please DELETE any other personal information that infringes on my consumer rights OR provide evidentiary PROOF of the legal right to retain such information. 

XXXX XXXX THIS I do NOT want any name, address, SSN, or date of birth other than what I listed in this letter to be retained or reported.

Please DELETE any other personal information that infringes on my consumer rights OR provide evidentiary PROOF of the legal right to retain such information. 

XXXX XXXX XXXXXXXX XXXX I do NOT want any name, address, SSN, or date of birth other than what I listed in this letter to be retained or reported. 
Please DELETE any other personal information that infringes on my consumer rights OR provide evidentiary PROOF of the legal right to retain such information. 

XXXX XXXX I do NOT want any name, address, SSN, or date of birth other than what I listed in this letter to be retained or reported. 
Please DELETE any other personal information that infringes on my consumer rights OR provide evidentiary PROOF of the legal right to retain such information. 

I have repeatedly requested verification or deletion, but the agency continues to retain and report this false information. Their failure to investigate and correct these errors is reckless, negligent, and unlawful under 15 U.S.C. 1681i. The ongoing publication of these inaccuracies after formal disputes amounts to willful noncompliance with the FCRA and is causing measurable damage to my creditworthiness, emotional well-being, and trust in the accuracy of the reporting system. 

This conduct is particularly egregious given the Equifax data breach, which already undermined the security of my personal records. Continuing to circulate false or unverifiable data in light of known breaches is unacceptable and contrary to the FCRAs purpose of protecting consumers from inaccurate or unauthorized reporting.

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