Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in my consumer report. I am demanding an immediate reinvestigation of the items identified below. If you can not verify the information with competent evidence and report it with maximum possible accuracy, you must delete it from my credit file. 

1 ) PERSONAL INFORMATION CORRECTIONS/ DELETIONS ( MANDATORY ) Please update my file to reflect the following accurate identifying information : Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, SC XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Phone Numbers : I do not consent to any telephone numbers being reported. Remove all phone numbers from my file. 

In addition, delete all other addresses and any personal identifiers that do not belong to me or can not be tied to me with verified documentation. Any addresses that are not deliverable to me by the XXXX XXXX XXXX are inaccurate, increase the risk of a mixed file, and should not remain on my consumer report. 

I am disputing the incorrect personal identifying information on my file because it does not belong to me and appears to be the result of careless and improper handling of my consumer record. This violates FCRA 1681e ( b ) ( maximum possible accuracy ). You also have a duty under FCRA 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation and delete information that can not be verified.

I am demanding permanent DELETION of all inaccurate personal identifiers ( names, addresses, employers, and variations ). Suppression or updating is not acceptable when the data is not mine.

2 ) UNAUTHORIZED CREDIT INQUIRIES ( NO PERMISSIBLE PURPOSE ) I did not authorize any of the following entities to access my consumer report. I did not apply for credit, request services, or initiate any transaction with these companies. Any inquiry without a permissible purpose violates FCRA 1681b and must be deleted.

If you or the inquiring party claim permissible purpose, you must provide documented proof of authorization, such as a signed application, written consent, or recorded authorization that is directly tied to me. If you can not provide such proof, the inquiry is legally unverifiable and must be removed.

Dispute Inquiries to Delete : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Demand : Permanently DELETE these inquiries immediately. 

3 ) ACCOUNTS/ COLLECTIONS DEMAND FOR VERIFICATION OR DELETION You are reporting accounts that are inaccurate, inconsistent, and/or unverifiable. Under FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ), you must conduct a reasonable reinvestigation. If these accounts can not be verified and reported accurately, they must be deleted.

I am requesting competent verification, including documentation establishing consumer liability and accurate reporting. If you can not verify the following items with complete accuracy and supporting documentation, you must delete them : A ) XXXX XXXX XXXX XXXX  This account has already been deleted by Experian, which demonstrates the information is not fully verifiable. If the reporting were accurate and supportable, it would not be removed by one bureau while remaining on another.

This tradeline is reported as paid/closed/XXXX  balance yet still reflects 30/60/90-day late payments, which is misleading and violates FCRA 1681e ( b ). Continuing to report this despite deletion elsewhere reflects an unreasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) ( A ).

Demand : Permanently DELETE this tradeline. 

B ) XXXX  XXXXXXXX XXXX XXXX This account is reported as a charged-off installment loan with a balance, yet the payment history reflects extended periods marked OK while simultaneously reporting severe delinquency and charge-off status. This internal contradiction is inaccurate and misleading, violating FCRA 1681e ( b ) and creating a noncompliant reporting record.

If you can not verify this account with complete accuracy and consistent reporting, it is legally unverifiable.

Demand : Permanently DELETE this tradeline. 

C ) XXXX XXXX XXXX XXXX XXXX XXXX  I have not been provided proof of liability, a complete accounting, or documentation establishing a valid obligation. Reporting a collection without competent evidence violates FCRA 1681e ( b ) and constitutes incomplete/misleading reporting.

Demand : Permanently DELETE this collection account. 

D ) XXXX XXXX XXXX XXXX XXXX XXXX I dispute this collection for the same reasons : no proof of consumer liability, no verified chain of ownership, and no competent documentation supporting accurate reporting.

Demand : Permanently DELETE this collection account.

4 ) NOTICE REGARDING REPRESENTATION / PROCESSING DELAYS Please be advised that any letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. I am also aware that the FCRA does not require me to provide a Power of Attorney for you to process my dispute, and you may not delay my investigation based on that demand.

5 ) REQUIRED RESPONSE Please complete your reinvestigation and provide : Written results of your investigation, and A copy of my updated consumer report reflecting the deletions/corrections, and A description of the procedure used to determine the accuracy and completeness of the disputed information.

If you can not verify any item listed above, you are required to delete it.

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