Consumer complaint received 2025-06-11 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:
I am writing to formally dispute inaccurate and unverifiable information contained in my consumer credit report. I am deeply disappointed by the violation of my consumer rights through the reporting of incorrect and potentially fraudulent information. Fair treatment and transparency are critical to me as a consumer. 

Personal Information Disputes : The following personal information is being challenged due to inaccuracies : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Name Variations : XXXX XXXX / XXXX, XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Date of Birth : XXXX Account Disputes : The following account contains information that I believe to be inaccurate, unverifiable, or fraudulent : XXXX Account # XXXXXXXX XXXX XXXX Collection Disputes : The following collection entries are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Disputes : I did not authorize the following hard inquiries and therefore challenge their legitimacy. I request physical proof of my authorization ( e.g., signed application ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I regret to inform you that I must dispute these accounts and inquiries due to possible fraud or unauthorized activity. Under the Fair Credit Reporting Act ( FCRA ), Section 604, I request verifiable proofsuch as a physical or electronic signatureof any application or authorization attributed to me.

Legal Basis : Under 15 U.S. Code 1681c ( a ) ( 2 ) and 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. The inclusion of the inaccurate and unverifiable items listed above constitutes a clear violation of these statutory obligations. 

Furthermore, compliance with the Metro 2 data reporting standard is required to ensure data integrity. Any unverifiable, outdated, or inaccurate information must be removed immediately. 

Request : Remove all incorrect personal information, disputed accounts, collections, and unauthorized inquiries. 

Provide verifiable documentation or remove the disputed entries if evidence can not be provided. 

Send an updated copy of my corrected credit report to the mailing address listed above. 

Confirm receipt of this dispute and complete your reinvestigation within the 30-day timeframe required by law.

Supporting Documentation Enclosed : A copy of my credit report with disputed items highlighted A government-issued ID and a utility bill verifying my correct personal information Any other relevant supporting documents Failure to correct these inaccuracies will compel me to take appropriate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) XXXX and seeking damages as permitted under the law. 

Thank you for your prompt attention to this matter. 

Sincerely,

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