Consumer complaint received 2025-05-18 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: NC

Complaint narrative:
I am formally writing to dispute several inaccurate, outdated, and potentially unlawful entries currently appearing on my credit report, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 
After reviewing my most recent credit disclosure, I have identified numerous charge-offs, late payment accounts, and inquiries that I do not recognize, never authorized, or that are being reported in error or without proper verification. 
Accounts in Dispute : XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$3500.00} Status : Charge-Off XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance : {$11000.00} Status : Charge-Off XXXX XXXX XXXX XXXX XXXXL Account # XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$34000.00} Status : Late Payment XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Opened : XX/XX/XXXX High Balance : {$22000.00} Status : Charge-Off XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX High Balance : {$14000.00} Status : Late Payment XXXX XXXX  XXXX XXXX Account # XXXXXXXX XXXX Opened : XX/XX/XXXX High Balance : {$15000.00} Status : Charge-Off XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Opened : XX/XX/XXXX High Balance : {$800.00} Status : Late Payment XXXX  These accounts may be : Outdated Reported without full documentation In violation of accuracy requirements under federal law Or possibly even duplicate ( e.g., XXXX XXXX appears twice ) I am demanding complete reinvestigation and removal of any accounts that can not be fully verified as accurate, complete, and lawfully reported under the FCRA.

Legal Grounds for My Dispute : FCRA 607 ( b ) : Duty to Maintain Maximum Possible Accuracy Consumer reporting agencies must ensure that the information they report is not misleading, factually accurate, and current. 
Reporting duplicate accounts ( e.g., two XXXX charge-offs ), outdated debts, or unverifiable derogatory entries violates this section. 
FCRA 611 : Dispute Resolution & Reinvestigation If a consumer disputes information, the agency must investigate, contact the furnisher, and remove any unverifiable or incorrect item within 30 days. 
I am exercising my right under this section to demand a full investigation into each item listed above. If the data can not be verified with documented evidence, it must be permanently removed. 
FCRA 623 : Responsibilities of Furnishers Furnishers of information must report accurate data and correct or delete information that is found to be inaccurate or incomplete. 
You are obligated to notify these furnishers and ensure compliance with 623. 
Additionally, I Dispute the Following Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing these hard inquiries. Under FCRA 604 ( a ), a hard inquiry is only allowed with a permissible purpose, such as a signed credit application or written authorization. 
If these furnishers can not produce clear documentation proving my consent, these inquiries must be deleted immediately under FCRA 611 & 604.

1. Immediately investigate and provide proof of authorization for the inquiries listed.

2. Conduct a full reinvestigation of all disputed accounts.

3. Delete any unverifiable, duplicate, outdated, or inaccurate entries. 
4. Provide a written response within 30 days, as required by FCRA 611 ( a ) ( 1 ) ( A ).

If these matters are not addressed properly and within the legal timeframe, I will escalate this dispute to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office And I will pursue legal remedies under FCRA 616 and 617, which allow for damages in cases of willful or negligent noncompliance. 
Thank you for your immediate attention to this matter. Please send all responses to the address listed above. I expect full compliance with the law and will monitor my report for updates.

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