Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my Experian credit report dated XX/XX/year>, and found multiple negative accounts and hard inquiries that I believe are either inaccurate, outdated, unverifiable, or reported without proper authorization. These entries are negatively affecting my credit score and have not been properly validated or disclosed under the guidelines of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and where applicable, the Fair Credit Billing Act ( FCBA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Negative Accounts Reported : The following XXXX accounts appear with charge-offs, collections, or written-off statuses, which I dispute : XXXX XXXX Status : Charged Off Balance : {$450.00} XXXX XXXX XXXX Status XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX Status : Charged Off Balance : {$16000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX Off XXXX XXXX  Status : Closed, {$1200.00} Written Off XXXX XXXX  Status : Charged Off Balance : [ Confirm from Equifax/Experian likely included ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fingerhut Status : Collection/Delinquency Reported XXXX XXXX  XXXX Status : Charged Off or Collection XXXX XXXX XXXX Status : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX or XXXX XXXX XXXX XXXX XXXX XXXX Account ( s ) appearing on other reports ( Equifax/XXXX  ) Disputed Inquiries : I also noticed multiple hard inquiries on my credit report that I did not authorize . Some inquiries may stem from predatory lending, auto dealers, or online applications without my explicit consent. Under FCRA 604, a consumer reporting agency may only furnish a report if there is permissible purpose.

I request the removal of all unauthorized or outdated hard inquiries and a detailed explanation for each.

My Legal Rights & Your Obligations : Under FCRA 611, I have the right to : Dispute any information that is inaccurate, incomplete, or unverifiable.

Receive results of reinvestigation within 30 days.

Request deletion of any item that can not be verified.

Block any fraudulent or unauthorized information under FCRA 605B.

Know who has accessed my credit file ( FCRA 609 ).

Requested Actions : Conduct a thorough reinvestigation of the 11 accounts and remove any that can not be 100 % verified with full documentation. 

Remove all unauthorized or outdated inquiries that do not have a clear permissible purpose. 

Provide me with a written response detailing the results of your reinvestigation and the actions taken. 

Notify any third-party data furnishers to ensure all reports reflect the accurate, corrected data. 

Attachments : A copy of my Experian credit report ( dated XX/XX/year> ) with items highlighted Copy of my drivers license and utility bill ( proof of identity and residence ) Notes from prior disputes marked as consumer disagrees These accounts and inquiries are causing undue harm to my credit profile and must be addressed under federal law. Please act accordingly and in a timely manner to comply with your legal obligations under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Date : XX/XX/year>

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