Consumer complaint received 2025-06-06 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: MN

Complaint narrative:
Excuse me, I believe that I have the right to dispute any inaccurate information on my credit report, as stated by the Fair Credit Reporting Act ( FCRA ). I take the accuracy of my credit report very seriously and would appreciate your assistance in rectifying any errors. 

I understand that creditors are required to document and validate the information included in my credit report before using it. I am confident that the allegations of delinquency and derogatory status against me are false, and I request evidence supporting the negative status of my accounts. I kindly ask that you include proof of a permissible purpose for the inquiry or account within my report. 

May I request that you address this matter as soon as possible? If not rectified within 30 days from the delivery date, there may be serious consequences, and I would prefer to avoid any intervention or escalation. 

Thank you for your prompt attention to this matter. 

Accounts Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute the inaccurate, untrue, incomplete, untimely, non-compliant, and/or possibly not even mine allegations of derogatory items that you currently have listed on my credit report. 

While reviewing my report, I have come across several mistakes and inaccuracies in your reporting. Please review and delete any and all information that is not : Proven true, Correct, Complete, Timely, Mine, My responsibility, FCRA compliant, Metro, 2 Format compliant Otherwise compliant with applicable laws, standards, or regulations As a data furnisher and/or repository, you are required to meet these standards. The following challenged information must be immediately removed if not certifiably compliant. I demand that you do so without delay. 

Inquiries Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries were not authorized, nor have they been proven to have a permissible purpose. Please remove these from my credit file unless valid, verifiable documentation is provided. 

Disputed Personal Information The following personal information is inaccurate and must be corrected or deleted : Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Name : XXXX XXXX XXXX Incorrect DOB : XX/XX/year> Incorrect Employers : XXXX, XXXX Please remove or correct all personal information that does not match my actual records. 

Legal Basis for My Dispute I am disputing these errors under FCRA Section 611 ( 15 U.S.C. 1681i ) and Metro 2 compliance standards. The law requires : An investigation of all disputed items Verification from the data furnisher Correction or deletion of unverifiable or inaccurate information Completion of investigation within 30 calendar days Additional Accounts 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  This information has not been validated or verified for Metro 2 compliance. I am exercising my consumer rights to request that only factually truthful, verifiable, and compliant data appear on my credit report. I request that any mistakes be permanently corrected immediately. 

I further request that you investigate the origins of each account and confirm that each creditor has a legitimate basis for every inquiry or entry associated with my credit profile. 

Final Notice It is clear that the claim made against me is unjust and has caused significant harm to my personal, emotional, and financial well-beingas well as my creditworthiness. I am challenging your authority to report this claim and request proof that your reporting practices are ethical, lawful, and compliant with all regulatory requirements. 

I am challenging all data furnishers and repositories to produce physical documentation proving compliance with : The most current Metro 2 Format The XXXX XXXX XXXX XXXX XXXX ( XXXX ) All federal and state regulations Applicable FCRA mandates Any deviation from these standards, whether intentional or unintentional, compromises the accuracy and integrity of the dataand is therefore not acceptable. 

The minimum standard for reporting is maximum possible accuracy, as mandated by the FCRA. You are required to meet this standard without exception. 

I expect the above errors to be fully investigated and corrected within the 30-day period as required by law. Please send written confirmation of your investigation results, along with a corrected copy of my credit report.

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