Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I am deeply concerned about the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my fundamental right. Kindly provide me with all available details regarding the lapses in accuracy and compliance. 

I have zero tolerance for negative information, certified or not. My utmost concern lies in the verifiable facts and truths regarding your company and the data pertaining to my credit profile. The erroneous credit report I received is surprising, as it should align with the FCRA and relevant Metro 2 data field formatting standards. I challenge you to create a verified, complete, and accurate document, presenting evidence for each claim. The 2020 XXXX highlights that any deviation from these standards jeopardizes data integrity, which is a matter of utmost seriousness. Failure to follow these standards could compromise the integrity of your data. 

Listed below are the Personal Information that are being challenged : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX Employer : XXXX Employer : XXXX XXXX XXXX Incorrect DOB : XXXX Incorrect Name : XXXX XXXX Listed below are the Accounts that are being challenged : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged : XXXX XXXX - XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX The deletion or blocking of accounts due to potential unauthorized inquiries is governed by FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts reported on my consumer credit report, which may stem from potential fraud or unauthorized activity. I request verifiable evidence bearing my signature or electronic signature. This letter represents my personal request, and I kindly ask for your thorough review. I do not recall authorizing these actions, which may constitute a violation of my consumer rights under the Fair Credit Reporting Act 's Section 604. I have already contacted the relevant companies and found that these actions appear to have been initiated without compliant validation or original proof from any of the reporting entities. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX  XXXX, TX XXXX Employer : XXXX Employer : XXXX XXXX XXXX Incorrect Name : XXXX XXXX Employer : XXXX  Listed below are the Accounts that are being challenged : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged : XXXX XXXX - XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge according to the FCRA and the accepted STANDARD of Metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof. I request accurate reporting of allegations and avoidance of unlawful claims. Please provide verifiable evidence of the account 's existence and permissible usage. If such evidence is absent, I expect the removal of the account from my report. Kindly send physical documentation of your actions and an updated credit report. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Employer : XXXX Employer : XXXX XXXX XXXX Incorrect Name : XXXX XXXX Listed below are the Accounts that are being challenged : XXXX - XXXX * * * * Listed below are the Inquiries that are being challenged : XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX - XXXX 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 XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX Is it mandatory for all entities involved in reporting consumer credit information to be fair, truthful, complete, timely, and compliant in their reporting and practices? Such activities include willful and reckless reporting of false or unknown information, especially after being notified in writing of reporting mishaps, failure to properly investigate and correct issues, or inability/unwillingness to prove indisputably that the party acted appropriately in every aspect of reporting. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit-to-balance ratio, debt-to-income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc. 

Please ensure your reporting is truthful and fair, or remove it permanently. Furthermore, as you investigate the legitimacy of injurious accusations against me, note the suspected reporting shortcomings below so that you can align with federally mandated fair reporting practices in your final decision. 

I am writing this correspondence to bring to your attention my knowledge regarding your illicit practices involving the dispatch of standardized form letters in response to consumer disputes and challenges, irrespective of the specific details furnished by them. Such actions contravene the provisions stipulated in 15 U.S. Code 1681i, which explicitly mandates that each dispute and challenge be meticulously addressed on an individual basis, considering its own merits. 

I wish to highlight that the letters I have submitted were generated utilizing software accessible to all. Consequently, any failure to process these letters would constitute a violation of my rights as a consumer. I am compelled to interpret such disregard as a deliberate indifference towards my rights, and should this persist, I shall be left with no choice but to seek legal recourse by engaging my legal representative. 

I have noticed that you're using generic responses for consumer disputes, disregarding the specific information provided, which is illegal. Each dispute must be addressed individually. My letters were created using widely accessible software. Failure to process them violates 15 U.S. Code 1681i. Please note that delaying consumer letters based on third-party help is not legally acceptable. I am the author of any letters bearing my name. Neglecting timely processing will be seen as intentional disregard of my consumer rights, leading me to involve my lawyer for legal action.

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