Consumer complaint received 2025-05-02 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: CT

Complaint narrative:
To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) because despite multiple formal dispute letters sent to the credit bureaus ( TransUnion, Equifax, and Experian ), the inaccurate, unverifiable, and misleading information on my credit report has not been corrected or removed. These ongoing issues are severely impacting my creditworthiness and causing me financial harm. 
Below is a list of items I have repeatedly disputed but have received no resolution or proper investigation from the bureaus : ________________________________________ Disputed Accounts ( Late Payments and Charge-Offs ) XXXX. XXXX XXXX # XXXX o Issue : Inaccurate late payments o Open Date : XX/XX/XXXX o High Balance : {$3200.00} o Violation : FCRA XXXX Failure to properly investigate o Action Requested : Delete late payments or verify with documentation. 
2. XXXXXXXX XXXX # XXXX o Issue : Charge-off reporting without proper validation o Open Date : XX/XX/XXXX o High Balance : {$3300.00} o Violation : FCRA XXXX ( b ) Reporting of inaccurate data o Action Requested : Delete charge-off unless verifiable proof is provided. 
3. XXXX # XXXX o Issue : Repeated late payments o Open Date : XX/XX/XXXX o High Credit : {$12000.00} o Violation : FCRA XXXX ( b ) Failure to correct disputed data o Action Requested : Remove or correct late payments with proof. 
4. XXXX XXXX # XXXX o Issue : XXXX separate XXXX listed, unverifiable o Open Dates : XX/XX/XXXX & XX/XX/XXXX o High Balances : {$2000.00} & {$1000.00} o Violation : FCRA XXXX ( a ) No verification provided o Action Requested : Delete both entries unless full debt validation is shown. 
5. XXXX XXXX # XXXX o Issue : Charge-off, not properly validated o Open Date : XX/XX/XXXX o High Balance : {$11000.00} o Violation : FCRA XXXX ( b ) Inaccurate reporting o Action Requested : Remove immediately or provide supporting documentation. 
XXXX. XXXX # XXXX o Issue : Incorrect late payments o Open Date : XX/XX/XXXX o High Credit : {$1900.00} o Violation : FCRA 1681s-2 ( a ) Reporting inaccurate info knowingly o Action Requested : Correct or remove. 
7. XXXX XXXX XXXX. # XXXX o Issue : Repeated late payment entries o Open Date : XX/XX/XXXX o High Balance : {$120000.00} o Violation : FCRA 1681b Reporting without verification o Action Requested : Full reinvestigation and documentation. 
________________________________________ Unauthorized or Unverified Hard Inquiries I have not authorized or consented to the following inquiries on my credit report. These companies have pulled my report without permissible purpose or written consent : XXXX XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XX/XX/XXXX / XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX / XX/XX/XXXX XXXX  XX/XX/XXXX / XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX Multiple Dates XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX Others listed above Violation : FCRA 1681b ( c ) No permissible purpose for inquiries Action Requested : Remove all unauthorized inquiries unless the furnishers can prove written consent. 
________________________________________ Summary and Relief Sought I have exhausted my efforts by filing multiple dispute letters directly with the credit bureaus, with no meaningful response or resolution. The bureaus have failed to meet their obligations under the Fair Credit Reporting Act, including proper reinvestigation and correction of disputed items. 
I now request the CFPB to investigate this matter and compel the credit bureaus to : 1. Delete or correct all inaccurate, unverifiable, or unauthorized items listed above. 
2. Provide documentation verifying the accuracy and permissible purpose for each item. 
3. Ensure my consumer rights under FCRA are upheld. 
Thank you for your attention to this matter. I look forward to your support in achieving a fair and lawful resolution. 
Sincerely, XXXX XXXX

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