Consumer complaint received 2025-08-11 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: LA

Complaint narrative:
I have been disputing with the credit agencies for 3 months and they continue to report in accurate information on my credit report and they are in violation of the FCRA. 


XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Attn : Customer Relations Department XX/XX/XXXX RE : Request for Full File Disclosure Under FCRA 609 ( a ) Dear Equifax, Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), I am formally requesting a full disclosure of all information in my credit file. This includes : 1.

2.

3. 
XXXX. 
All account information and trade lines reported in my file, including the complete account history and the name and address of the original creditor for each item. 
The source of each piece of information, including the name, address, and telephone number of any furnisher of information. 
A list of all parties that have accessed my credit file within the last two years for employment purposes, and the last one year for all other purposes. 
Copies of any documentation you maintain in my file. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. What was your method of verification for the late payments for this account as per the FCRA you must provide this information. 
XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove ALL late payments XXXX. What was your method of verification for the late payment for this account. As per the FCRA you must provide this information XXXX XXXX XXXX XXXX Account Number : XXXX Please remove all late payments of this account XXXX. What was your method of verification for the late payment for this account. As per the FCRA you must provide this information PROGRESSIVE Account Number : XXXX Please REMOVE this account from my credit report. 
XXXX. What was your method of verification for the late payment for this account. As per the FCRA you must provide this information XXXX XXXX  Account Number : XXXX PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT XXXX. What was your method of verification for the late payment for this account. As per the FCRA you must provide this information XXXX  XXXX Account Number : XXXX PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT XXXX. What was your method of verification for the late payment for this account. As per the FCRA you must provide this information TOWER LOAN Account Number : XXXX PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT XXXX. What was your method of verification for the late payment for this account. As per the FCRA you must provide this information TOWER LOAN Account Number : XXXX Please remove it from my credit report. 
XXXX. What was your method of verification for the late payment for this account. As per the FCRA you must provide this information XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Please also verify the accuracy and completeness of each item. If you can not verify an account or item with documentation from the original creditor, please remove it from my credit file pursuant to the FCRA. 
As required, I have enclosed : A copy of a government-issued photo ID Proof of current mailing address Please send your response to the address listed above within the XXXX time frame allowed under federal law

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