Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I reviewed my Experian Dispute Results ( Report # XXXX ). While some outdated addresses were removed, my credit files still show inconsistent personal identifiers and numerous inquiries that require full verification and lawful documentation. During XXXX XXXX XXXX  I shopped for an automobile loan and submitted applications with both banks and auto dealerships for the sole purpose of obtaining vehicle financing. Because many dealers shotgun an application to multiple lenders, I saw a cluster of hard inquiries over a few days from banks, captive auto lenders, and dealer-affiliated finance sources. I understand that under common scoring practices, auto-loan inquiries within a short shopping window should be treated as a single rate-shopping event ; however, my reports continue to list each inquiry separately, and some appear duplicative or affiliate-generated. 

Separately, my personal-identifying information remains inconsistent across reports. My correct identity is : Legal name XXXX XXXX XXXX ; Acceptable variations XXXX XXXX, XXXX XXXX XXXX ; Current address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ; Current employer XXXX XXXX XXXX XXXX XXXX. Despite this, older name forms tied to my former surname ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ), prior addresses ( in XXXX WA, XXXX XXXX ID, and XXXX TN ), and former employers ( e.g., XXXX XXXX, XXXX XXXX, and older food-service roles ) still appear or are being retained without clear justification. I need the bureau to explain which active accounts or public data sources they rely on to keep any of these old identifiers and, if none exist, to remove them as unverifiable/outdated. 

What I need the bureau to do is straightforward and fully consistent with FCRA and state law : ( XXXX ) Verify every inquiry on my file ( auto, bank, credit card, retail, affiliate, etc. ) to ensure each had a lawful permissible purpose and my authorization ; provide documentation ( signed application, digital consent, or dealership finance agreement ) establishing that I initiated/approved each access ; and delete any inquiry that can not meet those standards ; ( 2 ) Identify the specific active furnishers or public sources currently used to justify retaining each old name/address/employer, including the source name, address, and reporting frequency ; and delete all identifiers that are not verified as current and accurate ; ( 3 ) Ensure rate-shopping treatment for the XXXX XXXX XXXX auto-finance inquiries so they are coded and grouped properly ; ( 4 ) Cease affiliate/third-party redistribution of any outdated or unverifiable identifiers or inquiries once found invalid ; and ( 5 ) Share verification/deletion results with Experian and XXXX  to maintain cross-bureau consistency and prevent reinsertion. 

I am making these requests under FCRA 604 ( a ), 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( B ), and 611 ( a ) ( 6 ) ( B ) ( iii ) and RCW 19.182.070 / 19.182.110 ( 1 ). I also request a written compliance statement confirming that the bureaus reinvestigation and permissible-purpose procedures comply with these provisions. My goal is simple : a credit file that reflects my current, accurate identity, contains only fully verified inquiries, and follows lawful accuracy, reinvestigation, and reinsertion-prevention requirements.

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