Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
I am formally disputing multiple inaccurate, unverifiable, and potentially fraudulent entries currently reporting on my consumer credit file. This includes personal information, accounts, collections, and inquiries that are being reported in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Compliance Standards, and XXXX XXXX XXXX XXXX ( XXXX ) guidelines. 

I expect full compliance with your legal obligations, including but not limited to : FCRA 604 [ 15 U.S.C. 1681b ] ( Permissible Purpose ) FCRA 611 [ 15 U.S.C. 1681i ] ( Reinvestigation of Disputed Information ) Metro 2 Reporting Standards ( CDIA 2020 CRRG guidelines ) The continued reporting of inaccurate and unverifiable data damages my creditworthiness and constitutes willful noncompliance under FCRA 616. I demand you immediately verify or DELETE all disputed information listed below. You are required to conduct a reasonable investigation and provide me with verifiable documentary evidence, including signed contracts or original authorizations directly bearing my signature or electronic authorization. 

Personal Information Being Challenged : Employer : XXXX XXXX XXXX Employer : XXXX XXXX Employer : XXXX XXXX XXXX Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Accounts Being Challenged : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX * * * * AFFIRM 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 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 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 Inquiries Being Challenged ( Potentially Unauthorized ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If you are unable to produce legally admissible documentation that proves I authorized these accounts, collections, or inquiries, you are required by law to DELETE the disputed information immediately. Form letters, stall tactics, and automated responses will not satisfy your obligations. 

I expect you to mail me the full investigation results, copies of supporting documentation, and an updated credit report reflecting the immediate deletion of any unverifiable data within the 30-day window permitted by law.

Failure to comply may result in legal action for willful noncompliance, negligent reporting, and violation of my consumer rights.

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