Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
To Whom It May Concern, I recently reviewed my Experian credit report dated XX/XX/XXXX, and identified multiple inaccuracies, incomplete information, and unauthorized inquiries. Pursuant to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The following accounts and inquiries violate my federally protected rights under 15 U.S.C. 1681 : Accounts with Inaccurate or Unverifiable Information XXXX # XXXX Date of last payment and date opened inaccurate. 
XXXX  XXXX # XXXX Date of last payment and date opened inaccurate. 
XXXX XXXX XXXX XXXX XXXX Inaccurate and unverifiable. 
XXXX  # XXXX Inaccurate and unverifiable. 
XXXX XXXX # XXXX Date of last payment and date opened inaccurate. 
XXXX XXXX XXXX # XXXX Date of last payment and date opened inaccurate. 
Unauthorized Inquiries XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Violations of the Fair Credit Reporting Act ( FCRA ) Reasonable Accuracy Obligation ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of information. These accounts and inquiries violate this standard by reporting incomplete, inaccurate, or unverifiable data.

Treatment of Inaccurate or Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) : If disputed information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the agency must : ( i ) Promptly delete or modify the inaccurate item in the consumers file.

( ii ) Notify the furnisher of the modification or deletion.

Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) : Furnishers are prohibited from providing any information they know or have reasonable cause to believe is inaccurate.

Prohibition of Reporting Inaccurate Data ( 15 U.S.C. 1681b ( a ) ( 1 ) ) : A person or agency shall not furnish inaccurate information if they know or have reasonable cause to believe it is inaccurate.

Demand for Immediate Deletion Given the violations outlined above, I demand the following : Immediate removal of all inaccurate, incomplete, or unverifiable accounts and inquiries from my credit report. 
Notification to all furnishers that the listed information has been deleted from my file. 
Written confirmation that all inaccurate or unverifiable information has been permanently deleted and will not reappear on my report. 
Failure to comply with these requests will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for violations of my rights under the FCRA. 

Thank you for your prompt attention to this matter. I expect resolution and written confirmation within the statutory time limit outlined under the FCRA.

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