Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear XXXX Dispute Department, I am writing to dispute the following negative accounts and hard inquiries appearing on my credit report. Negative accounts : XXXX XXXX / XXXX XXXX XXXX {$1000.00} updated XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} updated XX/XX/XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX {$490.00} updated XX/XX/XXXX. For each negative account, I am disputing the accuracy and completeness of the reporting. Please verify the debt, the original creditor, the date of first delinquency, the balance, and that the reporting is accurate. If any item can not be fully verified, please delete or correct it immediately. Hard inquiries : XXXX XXXX inquiry date XX/XX/XXXX. XXXX XXXX inquiry date XXXX XXXX, XXXX. For each hard inquiry, I did not authorize this inquiry, or I need verification that permissible purpose existed. Please provide the full business name, the account or application reference, and proof of authorization. If any inquiry can not be fully verified, please delete it immediately. Please investigate each item and update my credit file accordingly. Sincerely XXXX XXXX Dear Expiren Dispute Department, I am writing to dispute the following negative accounts and hard inquiries appearing on my credit report. Negative accounts : XXXX XXXX / XXXX XXXX XXXX {$1000.00} updated XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} updated XX/XX/XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX {$490.00} updated XX/XX/XXXX. For each negative account, I am disputing the accuracy and completeness of the reporting. Please verify the debt, the original creditor, the date of first delinquency, the balance, and that the reporting is accurate. If any item can not be fully verified, please delete or correct it immediately. Hard inquiries : XXXX XXXX inquiry date XX/XX/XXXX. XXXX XXXX inquiry date XXXX XXXX, XXXX. For each hard inquiry, I did not authorize this inquiry, or I need verification that permissible purpose existed. Please provide the full business name, the account or application reference, and proof of authorization. If any inquiry can not be fully verified, please delete it immediately. Please investigate each item and update my credit file accordingly. Sincerely XXXX XXXX Dear XXXX Dispute Department, I am writing to dispute the following negative accounts and hard inquiries appearing on my credit report. Negative accounts : XXXX XXXX / XXXX XXXX XXXX {$1000.00} updated XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} updated XX/XX/XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX {$490.00} updated XX/XX/XXXX. For each negative account, I am disputing the accuracy and completeness of the reporting. Please verify the debt, the original creditor, the date of first delinquency, the balance, and that the reporting is accurate. If any item can not be fully verified, please delete or correct it immediately. Hard inquiries : XXXX XXXX inquiry date XX/XX/XXXX. XXXX XXXX inquiry date XXXX XXXX, XXXX. For each hard inquiry, I did not authorize this inquiry, or I need verification that permissible purpose existed. Please provide the full business name, the account or application reference, and proof of authorization. If any inquiry can not be fully verified, please delete it immediately. Please investigate each item and update my credit file accordingly. Sincerely XXXX XXXX Experian Dispute Department Re : Credit Report Dispute To Whom It May Concern : I am writing to dispute the following items on my Experian credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} updated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} updated XX/XX/XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX {$490.00} updated XX/XX/XXXX XXXX. XXXX XXXX inquiry XX/XX/XXXX XXXX. XXXX XXXX inquiry XXXX XXXX, XXXX Please investigate each item and verify the accuracy, completeness, and authorization for reporting. For the collection accounts, please verify the original creditor, amount owed, date of first delinquency, and ownership of the debt. For the inquiries, please verify permissible purpose and provide proof of authorization. If any item can not be fully verified, please delete or correct it immediately. 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