Consumer complaint received 2025-05-01 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:
To : TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Immediate Deletion of Inaccurate and Unverified Information FCRA Compliance To Whom It May Concern, This letter is a formal notice and request under the Fair Credit Reporting Act ( FCRA ) to all three major credit reporting agenciesTransUnion, Equifax, and Experianto immediately investigate and remove multiple items on my credit report that are inaccurate, unverifiable, or misrepresented. Pursuant to 15 U.S. Code 1681e ( b ), 1681i, and 1681c-2, credit bureaus are required to maintain maximum accuracy and correct or delete any data that is not verified or is reported in error. 

1. XXXX XXXX Account Reporting Late Payments I have never been late on this account. Any late payment data reported is false and damaging. Please conduct an immediate reinvestigation. If the furnishers can not provide documented evidence of delinquency, the derogatory remarks must be deleted under 15 U.S. Code 1681i ( a ). 

2. XXXX XXXX Misclassified Credit Card Account This account has never been late and is incorrectly categorized under the credit card section. This misreporting is misleading and violates 1681e ( b ). I demand it be corrected or removed. 

3. XXXX XXXX Incorrect Classification and Reporting This account, inaccurately listed under my credit card section, has never had a late payment. Please update or remove it to ensure compliance with 15 U.S. Code 1681e ( b ) and 1681i ( a ). 

4. XXXX XXXX  Unauthorized Hard Inquiry I never authorized, applied for, or interacted with this company. This inquiry is unauthorized. Under 15 U.S. Code 1681c-2 ( a ), I demand this hard inquiry be deleted from my credit file as it is not based on my consent. 

5. XXXX False and Fraudulent Account This is not my account. It has already been removed from TransUnion and Equifax and must now be removed from Experian as well. It was never opened by me and must be permanently deleted under 1681i. 

6. XXXX Inaccurate Late Payments I have never missed a payment with XXXX. Any reported lates are factually incorrect and violate FCRAs accuracy standards. Under 15 U.S. Code 1681i ( a ), please delete any negative or late payment history. 



Please consider this letter as a formal dispute. I expect each agency to conduct a full reinvestigation within the 30 days provided by law. If these accounts or inquiries can not be verified with full and proper documentation from the furnishers, they must be permanently deleted. 

I request confirmation in writing from TransUnion, Equifax, and Experian once the requested actions have been completed. 

Thank you for your immediate attention to this matter.

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