Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
[ Your Full Name ] XXXX XXXX [ Your Address ] XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX [ Date ] XX/XX/XXXX Experian Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Removal of Inaccuracies ( USS Codes Included ) Dear Experian, I am writing to formally dispute several items on my credit report. Below are the specific inaccuracies I request to be investigated and corrected, in accordance with the Fair Credit Reporting Act ( FCRA ) and utilizing the appropriate Universal Data Form ( USS ) codes. 

1. Personal Information USS Code 006 Incorrect Name Remove " XXXX XXXX '' as this name variation is not accurate. 
USS Code 007 Incorrect or Outdated Address Remove " XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, '' as it is outdated. 
USS Code 008 Incorrect Employer Remove outdated employer information : " XXXXXXXX XXXX XXXX XXXX '' and " XXXX. '' 2. Closed Accounts I request the removal of the following closed accounts using USS Code 037 ( Account Closed by Consumer ) : XXXX XXXXXXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are either outdated or contain inaccurate payment histories. 

3. Collection Accounts USS Code 038 Collection Account Verification or Removal XXXX XXXX XXXX ( original creditors : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ) I request these collection accounts be validated. If they can not be verified as accurate, I request their removal. 

4. Inquiries USS Code 050 Hard Inquiry Removal Please remove the following unauthorized or outdated hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Experian XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. Fraud Alert USS Code 093 Add or Update Fraud Alert Please ensure my fraud alert remains active and updated as follows : " Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first contacting me personally and verifying all application information at day XXXX or evening XXXX. This victim alert will be maintained for seven years beginning XXXX. '' I request a detailed investigation and the necessary corrections to my credit report based on the USS codes listed above. Please provide a written response to confirm the actions taken within 30 days of receiving this letter. 

Thank you for your attention to this matter. 

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