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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The deletion or blocking of accounts due to potential unauthorized inquiries is governed by FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts reported on my consumer credit report, which may stem from potential fraud or unauthorized activity. I request verifiable evidence bearing my signature or electronic signature. This letter represents my personal request, and I kindly ask for your thorough review. I do not recall authorizing these actions, which may constitute a violation of my consumer rights under the Fair Credit Reporting Act 's Section 604. I have already contacted the relevant companies and found that these actions appear to have been initiated without compliant validation or original proof from any of the reporting entities. 

Listed below is the personal information that is being challenged : Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX Listed below are the inquiries that are being challenged : XXXX  - XXXX Under the Fair Credit Reporting Act, I have the right to challenge any information on my credit report that I believe to be incorrect. It is important to me that my credit report is accurate, and I take this matter seriously. While I dispute the claims of delinquency and derogatory information on my account, I request that you provide me with evidence to support your position. Specifically, I would like to see proof that the inquiries and accounts in question have a permissible purpose. 

I am reaching out to you today because I am concerned that this matter has not been handled properly. Therefore, I respectfully ask that you provide me with an updated credit report within the next 30 days. If the information is inaccurate, I ask that you remove it from my report. I appreciate your assistance in this matter and look forward to receiving your response. 

Listed below is the personal information that is being challenged : Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX Incorrect Name : XXXX XXXX XXXX The deletion or blocking of accounts due to potential unauthorized inquiries is governed by FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts reported on my consumer credit report, which may stem from potential fraud or unauthorized activity. I request verifiable evidence bearing my signature or electronic signature. This letter represents my personal request, and I kindly ask for your thorough review. I do not recall authorizing these actions, which may constitute a violation of my consumer rights under the Fair Credit Reporting Act 's Section 604. I have already contacted the relevant companies and found that these actions appear to have been initiated without compliant validation or original proof from any of the reporting entities. 

Listed below is the personal information that is being challenged : Incorrect Current Address : XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Name : XXXX XXXX XXXX Listed below are the inquiries that are being challenged : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX I wish to bring to your attention a matter of concern regarding the handling of consumer disputes and challenges. It has come to my attention that form letters have been routinely dispatched in response to these matters, regardless of the specific information provided by the consumers. This practice is, in my understanding, legally problematic, as it fails to address each dispute and challenge on its individual merits, potentially contravening the requirement for such personalized consideration. 

Furthermore, I would like to underscore that the letters bearing my name were generated using readily available software accessible to all. Neglecting the processing of these letters could potentially run afoul of 15 U.S. Code 1681i. It is imperative to refrain from unwarranted delays in handling consumer correspondence under the assumption of third-party assistance, as such an approach lacks legal validity. 

I want to reiterate my authorship of all letters bearing my name, and any failure to promptly attend to these communications will be construed as a deliberate disregard for my rights as a consumer. Consequently, I may have no choice but to seek legal recourse by engaging my legal counsel

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