Consumer complaint received 2025-05-14 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX Date of Birth : XX/XX/XXXX SSN : XXXX RE : FORMAL DISPUTE DEMAND TO DELETE UNVERIFIED ADDRESSES AND UNAUTHORIZED CREDIT INQUIRIES To Whom It May Concern, This is a formal dispute and legal demand for immediate reinvestigation and deletion of multiple items currently being reported on my consumer credit file. These entries are inaccurate, unauthorized, and unverifiable, and your continued reporting of this information without proof constitutes a willful violation of federal law. 
INCORRECT ADDRESSES TO BE REMOVED The following addresses are not associated with me, and their presence on my report is a clear violation of FCRA 1681e ( b ) ( accuracy in consumer files ) and 1681c-2 ( right to block inaccurate or unauthorized information ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX These must be immediately and permanently removed from my credit file. Continuing to associate my identity with addresses I have never resided at contributes to potential fraud, misreporting, and identity confusion. 
UNAUTHORIZED OR EXCESSIVE CREDIT INQUIRIES The following hard inquiries were not authorized by me and must be removed immediately. Under FCRA 1681b ( a ) ( 3 ), a credit inquiry must have a permissible purpose and clear consumer authorization. If you can not provide written proof of authorization for each, they must be deleted without delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These excessive pulls are not reasonably connected to a legitimate application and may constitute overreach, auto-dealer overpulling, or soft-pull-to-hard-pull conversionall prohibited under FCRA and CFPB guidelines. 
LEGAL FRAMEWORK & YOUR OBLIGATIONS You are required under the following statutes to investigate and resolve this matter : FCRA 1681e ( b ) : Duty to maintain accurate, verifiable consumer information FCRA 1681b ( c ) : Regulation of firm offers and inquiries FCRA 1681c-2 : Right to block and remove unauthorized information FCRA 1681i : Reinvestigation requirements for disputed information FCRA 1681n and 1681o : Civil liability for willful and negligent noncompliance Continued reporting of inaccurate addresses or unauthorized inquiries will be treated as intentional noncompliance and may trigger legal action under the FCRA and applicable consumer protection laws. 
DEMAND FOR IMMEDIATE ACTION I am demanding the following actions be completed within 10 calendar days of receipt of this letter : 1. Permanently delete all incorrect addresses listed above 2. Remove all unauthorized or unverifiable inquiries 3. Send written confirmation of reinvestigation results 4. Provide a free updated copy of my credit report, as required by FCRA 1681i ( a ) ( 6 ) NOTICE OF ESCALATION Failure to comply will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A violation report submitted to the Federal Trade Commission ( FTC ) Notification to the Minnesota Attorney Generals Office Potential civil litigation for actual, statutory, and punitive damages under FCRA 1681n and 1681o You may not reject this dispute based on its format, source, or use of third-party assistance. Federal law protects my right to submit disputes by any lawful means, and to demand resolution of harmful inaccuracies. 
Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Legal File

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