Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified several inaccuracies that require immediate attention and correction. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally disputing the following items : Unauthorized Inquiries XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports This inquiry was not authorized. Please remove it from my credit report. 

XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports This inquiry was not authorized. Please remove it from my credit report. 

XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports This inquiry was not authorized. Please remove it from my credit report. 

XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports This inquiry was not authorized. Please remove it from my credit report. 

XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports This inquiry was not authorized. Please remove it from my credit report. 

XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports This inquiry was not authorized. Please remove it from my credit report. 

XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports This inquiry was not authorized. Please remove it from my credit report. 

XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports This inquiry was not authorized. Please remove it from my credit report. 

Incorrect Billing and Account Validation XXXX XXXX Account Number : XXXX Violation : 15 U.S.C. 1681s-2 - Responsibilities of Furnishers of Information I have been incorrectly billed. Please update the status of this account. 

XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Violation : 15 U.S.C. 1681s-2 - Responsibilities of Furnishers of Information I have been incorrectly billed. Please update the status of this account. 

XXXX XXXX Account Number : XXXX Violation : 15 U.S.C. 1692g - Validation of Debts This account has not been validated. Please delete it from my credit report immediately. 

Incorrect Personal Information Former Name : XXXX XXXX Violation : 15 U.S.C. 1681c- Accuracy and Fairness in Reporting This information is incorrect. Please correct or remove it. 

Also Known As : XXXX XXXX Violation : 15 U.S.C. 1681c- Accuracy and Fairness in Reporting This information is incorrect. Please correct or remove it. 

Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Violation : 15 U.S.C. 1681c- Accuracy and Fairness in Reporting This information is incorrect. Please correct or remove it.

Request for Investigation and Correction In accordance with 15 U.S.C. 1681i ( a ), I request a thorough investigation into these disputed items and their prompt removal or correction from my credit report. It is your responsibility to verify the accuracy of these items with the relevant creditors. Any information that can not be verified must be deleted. 

Additionally, I request the following actions : Provide me with an updated copy of my credit report reflecting the corrections, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( i ).

Notify all parties who have received my credit report in the past six months of any corrections made, as required under 15 U.S.C. 1681i ( d ). 

Please complete this reinvestigation within 30 days of receiving this letter, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ). Failure to comply with these requirements may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Thank you for your prompt attention to this matter. Please send all correspondence and the updated credit report to the address provided above.

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