Consumer complaint received 2025-05-19 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: IN

Complaint narrative:
To Whom It May Concern, I am writing this formal dispute as a consumer exercising my rights under the Fair Credit Reporting Act ( FCRA ) 602, 607, and 611, and the Fair Debt Collection Practices Act ( FDCPA ). Upon reviewing my credit report, I have found inaccurate and potentially harmful information that I believe is being reported in error and without proper verification. 
My Story : In late XXXX, I experienced a series of personal and financial hardships that significantly disrupted my life. I was the primary caregiver for a family member who suffered a medical emergency, which caused both emotional and financial strain. I did everything in my power to stay current on my financial obligations, but I fell behind during this period through no fault of my own. 
This situation was temporary, and since then, I have regained stability and am actively rebuilding. I respectfully ask that you take this context into account and conduct a fair and honest investigation into the accuracy and reporting of the items below. 
DISPUTED ACCOUNTS The following accounts are being reported with late payments, but I dispute their accuracy or the validity of the derogatory marks : XXXX XXXX XXXX XXXX | Account # : XXXX | Opened : XX/XX/XXXX | High Credit : {$56000.00} XXXX XXXX XXXX | Account # : XXXX | Opened : XX/XX/XXXX | High Credit : {$25000.00} XXXXXXXX XXXX | Account # : XXXX | Opened : XX/XX/XXXX | High Credit : {$74000.00} XXXX BANK | Account # : XXXX | Opened : XX/XX/XXXX | High Credit : {$9000.00} XXXX | Account # : XXXX | Opened : XX/XX/XXXX | High Credit : {$230.00} Under FCRA XXXX, I am requesting that you conduct a reasonable investigation into these accounts. If these derogatory items can not be 100 % verified with accurate and original documentation from the original creditor, they must be removed immediately from my report. 
UNAUTHORIZED & DUPLICATE HARD INQUIRIES The following hard inquiries are appearing on my credit report without my knowledge or authorization. Under FCRA 604 ( a ) ( 3 ), a hard inquiry requires a valid, consumer-initiated permissible purpose. These were not initiated by me and must be removed : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These unauthorized inquiries are damaging my credit score and were not approved or permitted by me. Please remove them immediately. 
INCORRECT ADDRESSES The following addresses do not belong to me, are no longer valid, or were added in error. These false addresses increase the risk of identity confusion or fraud : XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX High XXXX XXXX XXXX XXXX, XXXX, IN XXXX Under FCRA 605 ( b ), all personal identifying information reported on a consumers file must be accurate. I demand the immediate removal of these incorrect addresses from my credit report.

FINAL REQUEST As required by the FCRA, you must complete a reasonable investigation and provide the results within 30 days of receipt of this dispute. If the items can not be verified with complete and accurate documentation from the original creditors, you are required by law to delete them.

If these items are not removed or corrected, I will escalate the matter by filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office I sincerely hope it doesnt come to that, and that this matter is resolved fairly and swiftly. 
Thank you for your time and cooperation.

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