Consumer complaint received 2025-05-20 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:
To Whom It May Concern, I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) to dispute and request removal of inaccurate, outdated, or unverifiable information currently being reported on my credit file. This is my formal first-round dispute letter, and I request that you investigate and delete all accounts and information listed below if they can not be fully verified with documentation per FCRA 609 and FCRA 611.

PERSONAL STATEMENT Over the past XXXX years, I have experienced a series of devastating personal setbacks. I was unexpectedly laid off during a company-wide reduction, shortly followed by a medical emergency involving a close family member. These events drained my finances and placed me in a temporary period of instability. Ive since worked hard to rebuild my financial standing, secure employment, and regain control over my life. 

Now that Im on the path to recovery, I am committed to repairing the damage done to my credit profile. However, many of the items listed on my report are not accurate, not authorized, or no longer verifiable, and are therefore causing continued and unfair harm. 

ACCOUNTS REPORTED WITH INACCURATE OR DEROGATORY INFORMATION Please investigate and permanently remove the following accounts, as they contain errors, outdated data, or unverifiable derogatory marks : XXXX XXXX Acct XXXX : XXXX Opened : XX/XX/XXXX Balance : {$3.00} Late Payment XXXXXXXX XXXX XXXX XXXX XXXX  : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$130.00} Late Payment XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ) Acct # : XXXX Opened : XX/XX/XXXX Balance : {$770.00} Collection XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Acct # : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} Collection Per FCRA 609 ( a ) ( 1 ), I am requesting that you provide the original signed contracts and full verification from the data furnishers. If you can not verify these accounts with original source documents, they must be removed from my credit file. 

UNAUTHORIZED OR IMPROPER CREDIT INQUIRIES I also dispute the following inquiries, which were not authorized by me and have no permissible purpose under FCRA 604 ( a ) ( 3 ) : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX If you can not provide written authorization for these inquiries, I request that they be immediately deleted from my credit report. 

INCORRECT ADDRESSES LISTED ON MY REPORT Please remove the following wrong or fraudulent addresses, which are not connected to me and XXXX lead to mixed file errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA 605 ( b ), information that is incorrect or creates identity confusion must be corrected or removed. 

FINAL REQUEST Under FCRA 611, you are required to complete a reasonable investigation and respond to my dispute within 30 calendar days. If any of the information listed above can not be fully verified with original documentation, it must be deleted immediately. Otherwise, I will have no choice but to file complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney Generals Office Please send me a confirmation of your investigation and the results in writing. I appreciate your cooperation and prompt attention.

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