Consumer complaint received 2025-09-29 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: WA

Complaint narrative:
I

am writing to notify you that you are reporting inaccurate and incomplete information in my credit report, as identified below. I demand an immediate investigation to resolve these inaccuracies ; otherwise, you must delete them from my credit report. 1ST PART OF THIS LETTER : PERSONAL INFORMATION Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX XXXX My only Social Security number is : XXXX My correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses listed on my report, as they are not deliverable by the U.S. Post Office and are not reportable under the FCRA since they are inaccurate.

2ND PART OF THIS LETTER : CREDIT INQUIRIES I did not authorize the companies listed below to make inquiries or view my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ), and a serious breach of my privacy rights.

Please validate this information with the companies and provide me with copies of any documentation bearing my signature that authorizes these inquiries. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

The FCRA states that the only permissible purposes for pulling a consumer credit report are : A firm offer of credit, Insurance, A court order, or Employment.

I am unaware of the inquiries listed below, never authorized them, and request that your agency remove them from my report : Sample Listing ( retain your full inquiry lists ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Continue with the complete lists from your original draft. ) 3RD PART OF THIS LETTER : INACCURATE INFORMATION According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, fraudulent accounts could be submitted by anyone using your reporting services.

I demand verifiable proof ( an original consumer contract with my signature ) for the accounts listed below. Failure to positively verify these accounts has harmed my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide verifiable proof, you must immediately delete the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice : Any letters you receive bearing my name have either been prepared by me or by my advisors with my full knowledge and consent. I am aware that no statute within the FCRA requires that I provide a Power of Attorney to you, nor does the absence of such documentation allow you to delay processing a consumers request.

I expect prompt compliance with my requests.

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