Consumer complaint received 2025-04-26 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: TX

Complaint narrative:
b'Unfortunately, I have identified several in accuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. However, the credit reporting agencies have not adhered to federal trade commission regulations and have failed to correct these discrepancies. Unfortunately, I have found several inaccuracies and unauthorized inquiries on my consumer report and would lithe accounts updated effective immediately. Personal information. only the name. XXXX XXXX XXXX should be present on my consumer report I would like all of the following names removedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should be present on my consumer report. This address is correct. Any other addresses are in accurate and does not accurately represent me as a consumer I cannot be reached nor contacted at any of these addresses.. the following addresses must be removed  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these no mailable addresses must be removed immediately In the I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXnthis information must be removed from my credit report because it is incorrect. these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report\n\nUnauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes , I want this hard inquiry removed from my consumer report . The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is to stay open and active. I am not disputing this account and host of closing it. I am calling attention to the violation of 15 SC1666B timing of payments. . XXXX XXXX. 30 days late this remark on my consumer report is unlawful and violate my consumer Rice. It must be update immediately. 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated \n\nAccount nameXXXX XXXX XXXX XXXXAccount number: XXXXThis account is to stay OPEN AND ACTIVE. Do not close this account. I am not disputing this account and requesting for closing it. I am calling attention to the violation of 15 USC 1666B timing of payments. . XXXX XXXX XXXX XXXX  XXXX  days late this remark on my consumer report is unlawful and violate my consumer rights. It must be update immediately. 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated \n\nAccount name: XXXX XXXXAccount number: XXXXThis account is to stay OPEN AND ACTIVE. Do not close this account. I am not disputing this account and requesting for closing it. I am calling attention to the violation of 15 USC 1666B timing of payments. . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX days late this remark on my consumer report is unlawful and violate my consumer rights. It must be updated immediately. 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated \n\nAccount name: XXXX XXXXAccount number: XXXXThis account is to stay closed. I am calling attention to the violation of 15 USC 1666B timing of payments. . XXXX XXXX XXXX XXXX  30/60 days late this remark on my consumer report is unlawful and violate my consumer rights. It must be updates immediately. 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated \n\nAccount name: XXXX XXXX XXXXAccount number: XXXXThis account is to stay OPEN AND ACTIVE. Do not close this account. I am not disputing this account and requesting for closing it. I am calling attention to the violation of 15 USC 1666B timing of payments. . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  days late this remark on my consumer report is unlawful and violate my consumer rights. It must be updated immediately. DO NOT CLOSE THIS ACCOUNT 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated \n\n\nAccount name: XXXXAccount number: XXXXThis account is to stay OPEN AND ACTIVE. Do not close this account. I am not disputing this account and requesting for closing it. I am calling attention to the violation of 15 USC 1666B timing of payments. . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  days late this remark on my consumer report is unlawful and violate my consumer rights. It must be updated immediately. DO NOT CLOSE THIS ACCOUNT 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated'

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