Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
The deletion or blocking of accounts due to potential unauthorized inquiries is governed by FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts reported on my consumer credit report, which may stem from potential fraud or unauthorized activity. I request verifiable evidence bearing my signature or electronic signature. This letter represents my personal request, and I kindly ask for your thorough review. I do not recall authorizing these actions, which may constitute a violation of my consumer rights under the Fair Credit Reporting Act 's Section 604. I have already contacted the relevant companies and found that these actions appear to have been initiated without compliant validation or original proof from any of the reporting entities. 

Listed below is the Personal Information that is being challenged : Incorrect DOB XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Current Address : - XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Employer : XXXXXXXX XXXX Listed below are the Accounts that are being challenged : 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  Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of Metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or that should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report.

Listed below is the Personal Information that is being challenged : Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Current Address : - XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Employer : XXXX XXXX Listed below are the Accounts that are being challenged : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED - XXXX Listed below are the Inquiries that are being challenged : 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 I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604.

I have previously contacted the relevant companies and have determined that these actions XXXX have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated. 

Listed below is the Personal Information that is being challenged : Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Current Address : - XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Employer : XXXX XXXX Listed below are the Accounts that are being challenged : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged : US DEPT ED - XXXX Listed below are the Inquiries that are being challenged 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 XXXXXXXX I wish to highlight my concern regarding the practice of issuing standardized responses to consumer disputes and challenges, regardless of the specific information provided. This practice appears to contravene legal requirements that mandate individual consideration based on merits. Additionally, my letters were generated using accessible software, and any neglect in processing them could be deemed a violation of 15 U.S. Code 1681i. It is essential to avoid unwarranted delays in addressing consumer correspondence under the presumption of third-party assistance.

I affirm my authorship of letters bearing my name, and failure to promptly address them may be seen as a deliberate disregard for my consumer rights, potentially leading to legal action with my attorney 's involvement. 

I conclude my communication with you with a genuine sense of professionalism and sincerity.

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