Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Social Security Number last 4 digits only : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Inaccurate Credit Report Information Under the Fair Credit Reporting Act ( FCRA ) I am writing to dispute and formally request the deletion of multiple inaccurate items listed on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable ( 15 U.S. Code 1681i ).

After reviewing my credit report, I have found several entries that are inaccurate, duplicated, or no longer applicable. I respectfully request the immediate investigation and permanent deletion of the following items : 1. Inaccurate Name Entry : Incorrect Variation : XXXX XXXX Correct Name : XXXX XXXX XXXX 2 . Inaccurate or Unfamiliar Addresses : XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX 3. Accounts with Disputed Late Payments : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments incorrect or unverifiable, request deletion Pay off in 4. Duplicate Accounts : Accounts that appear more than once under different names should be consolidated or removed.

5. Employment History : Remove any outdated or incorrect employers listed, such as XXXX 
6. Hard Inquiries : I dispute the following inquiries, which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FCRA, you are required to investigate my dispute within 30 days and provide the results of your investigation. If the information can not be verified, it must be deleted from my credit report. 
I have enclosed a copy of my credit report with the disputed items highlighted, along with a copy of my government-issued ID and proof of current address. 
Please confirm receipt of this letter and notify me of the outcome in writing. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Legal Basis and Enforcement : Under 15 U.S. Code 1681i of the Fair Credit Reporting Act, I am entitled to a free and prompt reinvestigation of any item I dispute on my credit report. Credit reporting agencies are required to forward all relevant information to the original creditor and complete a reasonable investigation within 7 days. If the disputed item can not be verified, it must be deleted.

Furthermore, under 15 U.S. Code 1681n, a credit reporting agency that willfully fails to comply with these obligations is liable to the consumer for actual damages or statutory damages between {$100.00} and {$1000.00}, plus punitive damages and attorneys ' fees. This federal law ensures my right to accuracy in my credit report and provides legal recourse if these rights are violated.

In practical terms, if your agency does not timely reinvestigate or correct inaccurate data, it constitutes a violation of federal law, and I reserve the right to pursue civil action.

I trust you will comply with your legal obligations under the FCRA to resolve this matter promptly and fairly

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