Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Dispute of Inaccurate and Outdated Information on Credit Report Dear CFPB, I am writing to formally dispute certain entries on my Experian, TransUnion, Equifax credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681 and 1681b. I believe that the following items listed on my report are inaccurate, outdated, and incomplete, and therefore should be investigated and removed. 

* * Details of the Disputed Items : * * - * * Full Name : * * XXXX XXXX XXXX - * * Social Security Number : * * XXXX - * * Date of Birth : * * XX/XX/XXXX - * * Account Number ( s ) in Dispute : * * 1. Name ID. # XXXX, # XXXX, # XXXX, also XXXX XXXX XXXX ( Used in identity theft ). These listings are inaccurate for the following reasons : Name listings are due to identity theft which was filed with the CFPB in XXXX. According to the precedent in * XXXX v. Equifax *, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX creditors are required to provide accurate information to credit reporting agencies. 

2. Address ID. 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. 

These entries appear to be outdated as it exceeds the reporting period stipulated under the FCRA. Per 15 U.S.C. 1681c, derogatory information should not be reported after seven years. 

3. * * [ Description of Item 3 ] * * : The information provided is incomplete or misleading as it does not reflect the true status of the account. This violates the requirements under 15 U.S.C. 1681e ( b ) as established in the case of * XXXX v. Equifax *, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), which emphasizes the duty of credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

* * Dispute of Unauthorized Inquiries on Credit Report * * In accordance with the Fair Credit Reporting Act ( FCRA ), I am also disputing certain inquiries listed on my credit report, specifically concerning the unauthorized nature of these inquiries. Under 15 U.S.C. 1681b ( 2 ), a consumer report may be obtained for specific permissible purposes, and I have reasons to believe that these inquiries do not fall within those categories. 
1. * * Unauthorized Inquiries * * : According to 15 U.S.C. 1681b ( 2 ), a person may not obtain a consumer report for any purpose unless it is for a defined, permissible purpose, such as reviewing the consumers creditworthiness in connection with an application for credit or insurance. I have identified inquiries made on [ insert specific dates ] by [ insert creditor names ] that I did not authorize nor was I aware of, which violates this provision. 
2. * * Disclosure of Inquiries * * : Pursuant to 15 U.S.C. 1681 ( q ), any consumer who has a request for the disclosure of their consumer report is entitled to know who accessed their credit information and under what purpose. I assert that I was not notified of these inquiries as required by law, and they were not performed in alignment with permissible purposes. 
3. * * Retention of Inquiry Information * * : Under 15 U.S.C. 1681c-2, a consumer reporting agency may not report inquiries on a consumer report for more than two years. If any of these inquiries exceed this reporting period, they should be removed as they do not comply with statutory requirements, which can adversely affect my credit score and overall credit profile. 

Attachments Included

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