Consumer complaint received 2025-09-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) To Whom It May Concern : I am writing to formally dispute the accuracy and permissibility of information appearing on my consumer credit reports. Pursuant to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific permissible purposes, which require the consumers authorization. I hereby state that I never provided written consent for several parties to obtain or furnish my credit information.

1. Unauthorized Hard Inquiries The following inquiries were not authorized by me in writing and therefore must be deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( two separate listings ) 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 inquiries are impermissible under the FCRA and must be removed immediately. 
2. Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX ) {$2500.00} This account is disputed as inaccurate and unverified. Unless documented proof of authorization and legal right to report is provided, it must be removed. 
3. Charged-O Accounts The following accounts are reported as charged o, but I dispute their accuracy and verification : XXXX XXXX XXXX multiple accounts, including charge-os for {$160.00} and others ) XXXX XXXX XXXX {$510.00} XXXX XXXX {$200.00} XXXX XXXX {$1500.00} XXXX  XXXX XXXX {$130.00} These accounts must be verified with documentation proving their accuracy. If they can not be fully verified, they must be deleted.

My Demands Under the FCRA 1. Conduct a full investigation into the above items.

2. Remove all unauthorized inquiries, collections, and charged-o accounts that can not be verified with documented proof of my written authorization.

3. Provide me with a complete written explanation of your findings and corrective actions, as required under 15 U.S.C. 1681i ( a ).

Failure to comply within the 30-day statutory period will constitute willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o, subjecting your bureau, and any data furnishers involved, to civil liability including actual damages, statutory damages, punitive damages, and attorneys fees.

This letter serves as my formal dispute and demand for resolution. 
Sincerely, XXXX XXXX XXXX XXXX of Birth : [ XX/XX/XXXX SSN ( Last 4 ) : 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