Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my lawful consumer complaint and dispute under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681b, 1681c, and 1681c-2 ).

I am disputing the reporting of Dept. of Education XXXX XXXX student loan derogatories as well as multiple unauthorized inquiries appearing on my credit files. 
XXXX. Student Loan Accounts ( XXXX ) DEPT OF EDXXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX  ALLEGED XXXX DEPT OF EDXXXX Acct XXXX XXXX XXXX XXXX XXXX  * ALLEGED XXXX Coded Deficiencies? ( Questionable ) : Activity dates XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 
I ( Inconsistent ) : Payment status XXXX XXXX ( Late 120 Days )XXXX XXXX ( Late 180 Days ), XXXX ( Late 120 Days ). 
I ( Inconsistent ) : Open dates differ XXXX XXXX XXXXXX/XX/XXXX ) vs. XXXX XXXX XX/XX/XXXX ). 
M ( XXXX ) : XXXX XXXX XXXX fields ( terms length, credit limit, last verified date ) absent. 
U ( Unproven ) : No certified documentary verification provided.

2. Inquiries ( Unauthorized / Impermissible Purpose ) The following inquiries were not authorized by me and lack lawful permissible purpose under 15 U.S.C. 1681b : XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Coded Deficiencies? ( Questionable ) : Inquiries appear with no corresponding credit application initiated by me. 
I ( Inconsistent ) : Same creditors reporting on different bureaus with mismatched data.

M ( Missing ) : No disclosure of permissible purpose or proper documentation. U ( Unproven ) : No physical verification provided as required under 1681i. 15 U.S.C. 1681e ( b ) : Requires maxim
um possible accuracy.

15 U.S.C. 1681i ( a ) : Inaccurate, unverifiable, or inconsistent items must be deleted.

15 U.S.C. 1681b : Limits access to credit files ; unauthorized inquiries are violations.

15 U.S.C. 1681c-2 ( 605B ) : Identity theft victims may bl
ock fraudulent information permanently.

CDIA Metro 2 Standards : Any deviation jeopardizes data integrity.

I DEMAND that the CFPB require the bureaus and furnishers to : 1. Delete the Dept. of EDXXXX student loan derogatory accounts unless they can be verified with certified, consistent, Metro 2 compliant documentation across all bureaus.

2. Permanently block and remove the unautho
rized inquiries listed above, as they were obtained without my consent or permissible purpose.

3. Provide written confirmation that these items have been deleted and will not be reinserted. 


I DEMAND IT REMOVED

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