Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in the credit report identified as listed below. I demand an immediate investigation to resolve any inaccuracy on the credit report ; otherwise, you must delete them from my credit report.

1ST PART OF THIS LETTER : PERSONAL INFORMATION Please update my address to : XXXX XXXX XXXX, XXXX, New York XXXX Please update my name to : XXXX XXXX My only Social Security number is : XXXX My only and correct date of birth is : XX/XX/year> I do not wish to have any telephone numbers on my report. Please remove all other addresses from my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable under the FCRA since they are inaccurate.

2ND PART OF THIS LETTER : CREDIT INQUIRIES I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act, Section 1681b ( c ), and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. In the absence of any such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

I am aware that the FCRA states that the only permissible purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries listed below. I never authorized such, and I ask that your agency please remove them from my credit report.

3RD PART OF THIS LETTER : INACCURATE INFORMATION According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verifythrough the physical verification of the original signed consumer contractany and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the accounts listed below.

Your failure to positively verify these accounts has harmed my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed, and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed.

I demand that the following accounts be verified or removed immediately : 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 Please be advised that any and all 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. Also, be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you, nor that without said Power of Attorney documentation you are allowed to delay the processing of a consumers letters to you.

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