Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following inaccuracies : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XX/XX/XXXX XXXX XXXX WI XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX. The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
BankruptcyXX/XX/XXXXCase Number : XXXX Please be advised that the court does not send information to any websites internet search engines or credit reporting agencies instead credit reporting agencies and other information providers collect information regarding bankruptcy cases from the court 's public records. Once a case is filed with the bankruptcy court that case becomes part of the court 's permanent records. Regardless of the status of your case ( open closed discharged dismissed etc. ) the credit reporting agencies can still report your case on your credit report for up to ten years. If you believe there is an error on the web or in your credit report you must resolve that with the website or reporting agency directly. This is a clear violation of FCRA 15 U.S.C. 1681-1681x. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. 

XXXX. The inquiry was not authorizedXX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorizedXX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorizedXX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XX/XX/XXXXAccount Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XX/XX/XXXXXX/XX/XXXX Account Number : XXXX * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * Please ensure that all information is accurate XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
CONSUMER PORTFOLIO SVC Account Number : XXXX * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XX/XX/XXXX Account Number : XXXX * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XX/XX/XXXXAccount Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX Account Number : XXXX * * * * * Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XX/XX/XXXX XXXX Account Number : XXXX * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XX/XX/XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XX/XX/XXXX Account Number : XXXX * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report.

56. Violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer. Delete immediately. 
XX/XX/XXXXXXXX XX/XX/XXXXAccount Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XX/XX/XXXXAccount Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XX/XX/XXXXXX/XX/XXXX Account Number : XXXX * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX Account Number : XXXX * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XX/XX/XXXX XX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX Account Number : XXXX * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * Please correct/update this inaccurate information on my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are required to verify these items with the relevant creditor. I kindly ask you to eliminate any information that the creditor is unable to authenticate. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receiving this letter. 

Furthermore, I request an updated copy of my credit report to be sent to the aforementioned address. Pursuant to the act, there should be no charge for this updated report. Additionally, I would appreciate it if you could notify any individuals who have obtained my credit report within the past six months of any corrections made. 

Thank you for your attention and assistance in resolving this matter.

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