Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted standard of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims knownor that should be knownto be unlawful. 

I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report. 

Listed below are the Personal Information that are being challenged : Incorrect Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX Listed below are the Accounts that are being challenged : XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. It is imperative that allegations are supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. If not provided, I request removal from the report and authorize the mailing of physical documentation of actions taken and my updated credit report. 

Listed below are the Personal Information that are being challenged : Employer : XXXX XXXX Incorrect DOB : XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX Employer : XXXX Listed below are the Accounts that are being challenged : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX I have a zero-tolerance policy towards negative information, regardless of certification. The crucial factor for me is the veracity of the facts concerning your company and the data related to my credit profile. I am surprised by the inaccuracy of the credit report provided, as adherence to the FCRA and applicable XXXX XXXX data field formatting standards is expected. Hence, I challenge you to prepare a verified, complete, and truthful document presenting evidence for each claim. Failure to follow these standards, as highlighted in the XXXX XXXX, poses a significant threat to data integrity, which must be addressed promptly to safeguard your data 's integrity. 

Listed below are the Personal Information that are being challenged : Incorrect Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX Listed below are the Accounts that are being challenged : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX  I kindly request that you provide the required tangible evidence demonstrating the lawful attainment of a permissible objective from the duly recognized legal entities, which may include myself or any other authorized entity capable of granting such authorization. Failure to do so may result in the complete expungement of unverified derogatory allegations related to an inquiry made against me, which lacks proper federal reporting compliance or substantiating evidence.

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