Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all inaccurate accounts in this complaint be DELETED immediately. 
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ) by [ EXPERIAN ]. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
I am writing to contest inaccurate and unverifiable information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. As per the FCRA, consumer reporting agencies are obligated to block and delete any information that can not be proven to be accurate, complete, and verifiable within XXXX business days. The following information on my credit report is inaccurate and must be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the [ EXPERIAN ] , block information appearing on my consumer credit report that is inaccurate and unverifiable within XXXX business days of you receiving this complaint. This false and misleading information consists of the following account ( XXXX ) : X. These accounts have resulted in negative reporting on my consumer credit report. I have attached documentation, including my current consumer credit report, which clearly shows the aforementioned inaccurate item ( XXXX ). REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts as reported. The aforementioned accounts on my consumer credit report maintained by you were not opened, made, or initiated by me. I did not authorize the sharing of my non-public information or consent to its reporting. I was not given proper disclosures or the option to opt-out. Reporting without consent constitutes a violation under 15 U.S.C. 1681b Permissible Purposes. This is also in violation of my privacy rights under 15 U.S.C. 1681a ( 4 ). These accounts and inquiries must be blocked or deleted immediately from my consumer report, under law FCRA 605B. 
My credit report contains inaccurate and unverifiable accounts that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to XXXX of XXXX your agency both via fax and through Certified Mail. 
In addition, I request the immediate removal of the following accounts and inquiries from my credit report : ACCOUNT ( XXXX ) : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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