Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and the accepted standard of Metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof ; hence, I am challenging their reportability. I request verifiable evidence for the account 's existence and permissible usage, and if such evidence is lacking, I request its removal. Please provide physical documentation of your actions and an updated credit report.

I kindly remind you to ensure the accuracy and correctness of all claims reported, as mandated by the Metro 2 reporting standard. Reporting claims that are known or should be known to be unlawful is inappropriate. I authorize you to send me physical documentation of your actions and an updated credit report. 

Listed below are the Personal Information items being challenged : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to XXXX dispute the presence of certain accounts on my consumer credit report, as indicated above, which appear to have arisen as a consequence of potential fraud or unauthorized activity. I respectfully request that you provide verifiable evidence bearing my signature or electronic signature. This letter represents my personal communication on this matter, and I kindly request your thorough review.

I must emphasize that I have not authorized these actions, and their inclusion on my credit report may constitute a violation of my consumer rights under the Fair Credit Reporting Act Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. Upon reaching out to these companies, it has come to my attention that these actions may have been initiated without proper validation or original proof from any of the reporting entities. 

Listed below are the Personal Information items being challenged : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am compelled to highlight the violation of my consumer rights caused by the dissemination of inaccurate information. Fair treatment by those responsible for its accuracy and compliance is my rightful expectation. I kindly request all available details on their failure to uphold these responsibilities.

I must emphasize my intolerance toward negative information, regardless of certification. The veracity and truthfulness of your company 's activities and the data concerning my credit profile are of utmost importance. The provided credit report is unexpectedly inaccurate, raising doubts about adherence to the FCRA and the relevant Metro 2 data field formatting standards. I challenge you to produce a verified, complete, and truthful document that presents evidence for each claim. Failure to follow these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, which is a matter of utmost seriousness. 

Listed below are the Personal Information items being challenged : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries being challenged : XXXX XXXX XXXXXXXX ( This inquiry was not XXXX ) I recently obtained a copy of my credit report and was disconcerted to observe credit inquiries made by companies for which I have no recollection of granting authorization. I am aware that inquiries should not be placed on my credit file without proper consent, and I kindly request the prompt removal of this unauthorized inquiry from my credit file. Furthermore, I would greatly appreciate receiving official documentation confirming that a thorough investigation has been conducted and that the aforementioned unauthorized inquiries have been successfully expunged. 

I kindly request that you conduct an investigation to substantiate the information I am contesting with the original creditors and kindly furnish me with any pertinent documentation related to these accounts, specifically those bearing my signature. In the event that no such documentation bearing my signature is found, I formally insist that all allegations of inquiries and the accounts in question, as reported within my credit record associated with my Social Security number, be expeditiously expunged. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and confirmation of your investigation results, along with an updated credit report.

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