Consumer complaint received 2025-03-22 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: MS

Complaint narrative:
I am writing to request that you remove the hard inquiries related to my student loans from my credit report, as well as close the account associated with these inquiries.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to dispute and have removed any inaccurate or incomplete information on my credit report. The hard inquiries and account associated with my student loans are no longer valid and are negatively impacting my credit score.

I would like to request that you take the following actions : 1. Remove all hard inquiries related to my student loans from my credit report.

2. Close the account associated with these inquiries.

Please find the details of the account and inquiries I would appreciate it if you could expedite this process and notify me once the removal and account closure have been completed.

If you require any additional documentation or information from me, please let me know. I have attached a copy of my identification and proof of address for your reference.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Hard Inquiries 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  Student Loans DPT EDXXXX Reported : XXXX XXXX, XXXX + {$7900.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$5100.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$1600.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$1500.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$5800.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$3900.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$7300.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$5300.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$6200.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$4000.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$860.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$140.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$1000.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$6300.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$4100.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$21000.00} In good standing DPT EDXXXX Reported : XXXX XXXX, XXXX + {$3500.00} In good standing Closed XXXX Report Date : XX/XX/XXXX Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type AUTO Original Creditor Name - Months Reviewed 62 Activity Designator - Terms Frequency MONTHLY Term Duration 74 MONTHS Purchased From - Sold To BALANCE AND AMOUNTS Balance {$12000.00} Credit Limit - High Credit - Available Credit - ACCOUNT DATES Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency COMMENTS AND CONTACT CHARGED OFF ACCOUNT FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX OVERVIEW Account Number XXXX XXXX  Account Status NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type SECURED Original Creditor Name - Months Reviewed 6 Activity Designator PAID Terms Frequency MONTHLY Term Duration 120 MONTHS Purchased From - Sold To BALANCE AND AMOUNTS Balance {$0.00} Credit Limit {$1000.00} High Credit {$1000.00} Available Credit {$1000.00} ACCOUNT DATES Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX COMMENTS AND CONTACT FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX OVERVIEW Account Number XXXX XXXX Account Status NOT_MORE_THAN_THREE_PAYMENT_PAST_DUE Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type SECURED Original Creditor Name - Months Reviewed 48 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration 120 MONTHS Purchased From - Sold To BALANCE AND AMOUNTS Balance {$0.00} Credit Limit {$1000.00} High Credit {$1000.00} Available Credit {$1000.00} ACCOUNT DATES Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX COMMENTS AND CONTACT CONSUMER DISPUTES THIS ACCOUNT INFORMATION ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX They have report two account with XXXX XXXX  on my credit report which is inaccurate, you cant report two account when there was only one account this is a violations by law and need to be remove immediately and I dont recognize these hard inquires closed account and students loan. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose!!! Deleted immediately from my credit report this has been on my report for 10 years and need to be 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