Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Deletion of Inaccurate Information Dear Credit Bureau Representative, I am writing to formally dispute inaccurate information appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I request that you investigate and remove or correct the items listed below, which are inaccurate and unverifiable. 
After reviewing my recent credit report from your bureau, I found the following entries reported as collections and/or hard inquiries that I do not recognize, authorize, or that are being inaccurately reported. 

Collections to Be Investigated and Deleted XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax These accounts are not valid, have not been verified with original documentation, and/or were never authorized by me. Please provide complete verification including the name of the original creditor, account number, and any signed documentation proving my liability. If you can not verify with original source documentation, these entries must be removed immediately. 

Hard Inquiries to Be Investigated and Deleted XXXX XXXX XXXX multiple inquiries ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX multiple dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  multiple inquiries ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX multiple inquiries ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX multiple inquiries ( XX/XX/XXXX, XX/XX/XXXX ) These inquiries were not authorized by me and therefore constitute an unauthorized access to my credit file. Please remove any inquiry that can not be verified as having my direct written authorization in compliance with FCRA 604. 

Requested Action Please conduct a full investigation of the above-listed items. If verification can not be completed with proper documentation from the original creditor or requester, please delete these entries from my credit file. 
Upon completion of your investigation, please send me written confirmation of the results and an updated copy of my credit report reflecting the corrections. 
I have enclosed a copy of my drivers license and proof of current address ( utility bill ) for identity verification purposes. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/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