Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX  RE : FORMAL DISPUTE INCORRECT ADDRESSES, LATE PAYMENT ACCOUNTS, AND UNAUTHORIZED INQUIRIES To Whom It May Concern, This letter constitutes a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ) concerning multiple entries on my consumer credit report. These include inaccurate addresses, unverifiable negative accounts, and hard inquiries that may violate federal law.

Unless you are able to provide proper verification of each item listed below, you are required by law to remove them promptly to remain in compliance with FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ). 
INCORRECT ADDRESSES DELETE IMMEDIATELY The following addresses are incorrect and not associated with me. Reporting them violates FCRA 1681e ( b ) ( accuracy ) and 1681c-2 ( right to block false data ) : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX You are required to delete all incorrect addresses immediately. 
UNVERIFIED NEGATIVE ACCOUNTS DEMAND FOR DELETION XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$190000.00} Status : Late Payment Violation : No billing statements or proof of delinquency have been provided. If you can not produce complete verification including signed agreements and a full payment history, this must be removed under FCRA 1681i ( a ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$5500.00} Status : Late Payment Violation : No account documentation or verification of delinquency exists on file. Without full validation, this entry is considered unverifiable and misleading per FCRA 1681s-2 ( b ). 
HARD INQUIRY DISPUTES PERMISSIBLE PURPOSE REQUIRED Under FCRA 1681b ( a ) ( 3 ), a hard inquiry must be based on a valid application for credit or a permissible purpose with consumer authorization. The following inquiries are being disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If these inquiries were not initiated by me and you can not provide signed proof of application or consent, they must be removed immediately. 
LEGAL FRAMEWORK FEDERAL VIOLATIONS Your agency is required to comply with the following legal provisions : FCRA 1681e ( b ) : Accuracy and completeness of consumer file information FCRA 1681i ( a ) : Reinvestigation of disputed information FCRA 1681s-2 ( b ) : Furnisher responsibility to investigate and correct errors FCRA 1681c-2 : Block of inaccurate or unauthorized information FCRA 1681b ( a ) ( 3 ) : Permissible purpose for inquiries FCRA 1681n & 1681o : Civil liability for willful or negligent noncompliance DEMAND FOR IMMEDIATE ACTION You have 10 calendar days from receipt of this letter to : 1. Delete all inaccurate addresses listed above 2. Remove all unverifiable late payment tradelines 3. Delete unauthorized or undocumented inquiries 4. Provide a written statement of results and 5. Send a free, updated credit report reflecting these changes as required under FCRA 1681i ( a ) ( 6 ) NOTICE OF ESCALATION Failure to resolve this matter promptly will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Reports filed with the Federal Trade Commission ( FTC ) and the Texas Attorney General A civil lawsuit for damages, attorneys fees, and punitive relief under FCRA This dispute was lawfully prepared and submitted. Your agency may not reject or delay this dispute based on its source, structure, or language. Doing so will be reported as a willful violation of federal law. 
Sincerely, XXXX XXXXXXXX XXXX  : Consumer Financial Protection Bureau ( CFPB ) Legal File

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