Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( **15 U.S.C. 1681** ), I am entitled to accurate and verifiable information on my credit report. The following items appear on my report in error and require immediate investigation and resolution. 

# # # **Accounts to Be Investigated** XXXX. XXXX XXXX XXXX XXXX XXXX Number : ** XXXX - Issue : This account does not belong to me. Please verify its accuracy. 

XXXX. XXXX - XXXX XXXX : ** XXXX - Issue : I do not recognize this account. 

XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : ** XXXX - Issue : This account is inaccurate and should be removed. 

XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ** - **Account Number : ** XXXX - Issue : This account is incorrect and requires verification. 

XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX **Account Number : ** XXXX - Issue : I do not recognize or authorize this account. 

XXXX. XXXX XXXX XXXX XXXXAccount Numbers : ** XXXX, XXXX ( duplicate entries ) - Issue : Duplicate entries for the same account must be corrected. 

XXXX. XXXX - XXXX XXXX : ** XXXX - XXXX : This account is unauthorized. 

XXXX. XXXX XXXX - XXXX XXXX : ** XXXX - XXXX : This account appears incorrectly on my report. 

XXXX XXXX XXXX XXXXUnauthorized Inquiries to Be Investigated** XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Type : Other Collection Agencies- Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Type : Bank Credit XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  - Type : Bank Credit XXXX XXXX XXXX : XX/XX/XXXX **Action Requested : ** I request that you : XXXX. **Investigate** these accounts and inquiries for accuracy and validity under **15 U.S.C. 1681i ( a ) **.

2. **Remove** any unverifiable or inaccurate information from my credit report. 
XXXX. Provide a detailed response outlining your findings, including documentation to verify the disputed information. 

I have attached copies of my credit report with the disputed items highlighted, as well as proof of identity ( e.g., government-issued ID and Social Security card ).

# # # **Legal Rights Reminder** Under **15 U.S.C. 1681i**, you are required to complete your investigation and respond within **30 days** of receiving this dispute. Additionally, under **15 U.S.C. 1681e ( b ) **, you are obligated to ensure the maximum possible accuracy of the information in my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates in writing. 

Sincerely, XXXX XXXX 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