Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I am writing as a consumer under the rights provided to me by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, and the Fair and Accurate Credit Transactions Act ( FACTA ). This statement serves as both a formal dispute and a goodwill request regarding several derogatory accounts and unauthorized hard inquiries that appeared on my credit report during a period in which I was the victim of fraud and potential identity theft. 



Legal Basis for Dispute ( FCRA Compliance Requirements ) : Under FCRA 602 ( A ) and 607 ( b ), furnishers must ensure the maximum possible accuracy of all credit-related data. 
If information is found to be inaccurate, unverifiable, or unauthorized, FCRA 611 ( a ) ( 1 ) requires that it be deleted from the consumers file within 30 days of dispute. 
If verified, the furnisher must provide supporting documentation used in the verification process ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ). 



Accounts in Dispute : 1. XXXX XXXX XXXX 9 late payments reported to TransUnion, 2 late payments to Experian. 
Account # XXXX 2. XXXX XXXX Reported as charged-off across all three bureaus. 
Account # XXXX 3. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Active collection for {$1000.00} reported across all bureaus. 
Account # XXXX These accounts reflect derogatory activity during the timeframe I was experiencing unauthorized access and identity compromise. I believe the negative entries are inaccurate, outdated, or unfairly damaging, and I am requesting that they either be : Deleted from my credit profile with Experian, Equifax, and TransUnion, Or re-aged to reflect a current, positive status ( Pays As Agreed ). 



Goodwill Consideration Request : Regardless of whether the entries were validated internally, I respectfully request a goodwill adjustment to correct these negative entries. I have otherwise maintained a responsible credit history and would like to preserve a positive relationship with your organization. 

Please do not close or restrict these accounts, and refrain from labeling them as disputed, as I continue to maintain my account standing and relationship in good faith. 



Unauthorized Hard Inquiries : I also request immediate removal of the following hard inquiries, which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries have negatively impacted my credit score and were made without my permission. 



Supporting Documents Attached : FTC Identity Theft Affidavit and Police Report Government-issued ID Requested Action : Delete or correct all inaccurate or unverifiable derogatory items. 
Remove unauthorized hard inquiries. 
Re-age applicable accounts to show Pays As Agreed status. 
Notify all major credit bureaus ( pursuant to FCRA 623 ( a ) ( 2 ) ) of any updates or deletions. 

Please respond in writing within 30 days as required by FCRA 611 ( a ). If you are unable to honor this request, I request full documentation of how the account or inquiry was verified under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

Thank you for your time and consideration.

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