Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
all 3 credit bureaus. Please remove XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$520.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + $ XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX + {$1000.00} In good standing XXXX XXXX XXXX Reported : XX/XX/XXXX + {$2500.00} In goodXXXX Reported : XX/XX/XXXX + {$1000.00} In good stanXXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$1800.00} Needs Attention XXXXXXXX XXXX XXXXg standing In XXXXXXXX XXXX from my credit report. This is not accurate. It should be removed The credit acceptance is accurate. I would like all the inquiries removed XXXX : XXXX. XXXX, XXXX + XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + All Banks ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX + Banks XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Automotive XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX Inquiry : XX/XX/XXXX + Banks XXXX  Inquiry : XX/XX/XXXX + Banks XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX + Department/Variety and Other Retail XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Banks XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + XXXX Inquiry : XXXX. XXXX, XXXX + Banks XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Automotive XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX Inquiry : XX/XX/XXXX + Banks XXXX Inquiry : XX/XX/XXXX + Banks XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX + Department/Variety and Other Retail XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Banks XXXX Inquiry : XXXX XXXX, XXXX + Finance/PersonaXXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Banks XXXX XXXX said : Here 's a formal dispute letter template you can use to send to all three credit bureaus ( Equifax, Experian, and TransUnion ). You can mail or submit it via each bureaus online dispute portal. 

[ Your Full Name ] [ Your Address ] [ City, State ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] To : Equifax P.O. Box XXXX XXXX, GA XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Credit Report Dispute Request for Investigation and Removal of Inaccurate Information Dear [ XXXX ], I am writing to formally dispute and request the removal of inaccurate information appearing on my credit report. I have reviewed my credit file and found several items that I believe are either reported in error or unauthorized. Please see the details below : Accounts to Be Removed ( Inaccurate or Not Recognized ) XXXX XXXX XXXX Reported : XX/XX/XXXX Amount : {$520.00} Reason : I do not recognize this account. It is not a valid debt and should be removed immediately. 

XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX Amount : {$1800.00} Reason : This item is inaccurate and does not belong to me. Please investigate and remove it. 

Accounts for Confirmation ( Not Disputing ) : XXXX XXXX : This account is valid. No action required. 

Hard Inquiries to Be Removed ( Unauthorized or Excessive ) Please remove all of the following inquiries from my credit file, as I did not authorize many of these, and some are duplicates or excessive in nature : XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXXXXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Supporting Notes I am requesting that these items be fully investigated and removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have enclosed a copy of my ID and a recent utility bill to verify my identity and address. 

Please confirm in writing to me the results of your investigation. If you find that the information can not be verified, it must be removed from my credit file. I appreciate your prompt attention to this matter. 

Sincerely, [ Your Full Name ] SSN ( Last 4 Digits Only ) : XXX-XX-____ Date of Birth : [ MM/DD/YYYY ]

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