Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally request a compliance-based investigation into the accuracy, completeness, and verifiability of the information currently being reported on my credit file. In accordance with the XXXX XXXX Format Guidelines and the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ), 1681e ( b ), and 1681s-2 ( a ) ( 1 ), I demand that each disputed item below be audited for compliance and either verified with full documentation or deleted from my credit report. 
Your continued failure to conduct a proper reinvestigation and refusal to remove unverifiable data constitutes a willful violation of federal regulations, resulting in ongoing financial harm. If this matter is not promptly resolved, I will be forced to escalate my complaint to the CFPB, FTC, and my State Attorney Generals Office. 
XXXX XXXX Compliance Request : Charge-Offs Each charge-off account listed below must undergo a full compliance audit to verify adherence to XXXX XXXX reporting guidelines and FCRA accuracy requirements. If these accounts can not be fully verified, they must be deleted. 
XXXX  # XXXX No compliance data provided. 
XXXX  # XXXX Lacking account-level documentation. 
XXXX # XXXX Data integrity errors detected. 
XXXX XXXX  # XXXX No supporting legal records. 
XXXX XXXX  # XXXX Verification request ignored. 
XXXX XXXX  # XXXX Reporting discrepancies identified. 
XXXX XXXX Compliance Request : Collection Accounts Debt collectors must maintain full chain of custody records to prove ownership, account accuracy, and compliance with XXXX XXXX reporting standards. 
SPRINGOAKS # XXXX No proof of ownership. 
XXXX XXXX XXXX # XXXX Fails XXXX XXXX compliance checks. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX No validation records found. 
XXXX ( Original Creditor : XXXX XXXX  ) # XXXX Lacking supporting documentation. 
XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX No valid verification. 
XXXX ( Original Creditor : XXXX XXXX ) # XXXX Failure to comply with XXXX XXXX. 
XXXX ( Original Creditor : XXXX  XXXX  ) ******** No valid consumer contract. 
XXXX XXXX XXXX  # XXXX Unverified and inaccurately reported. 
XXXX # XXXX Reporting inconsistencies detected. 
XXXX XXXX Compliance Request : Late Payments The following late payment accounts must be reviewed for completeness and accuracy, including date of first delinquency validation and status code consistency per XXXX XXXX standards. 
XXXX  # XXXX Late payment coding errors. 
XXXX  # XXXX Unverified reporting sequence. 
XXXX  # XXXX Date inconsistencies detected. 
XXXX XXXX # XXXX Compliance issues with payment reporting. 
XXXX XXXX Compliance Request : Unauthorized Inquiries Under FCRA 604 ( a ) ( 2 ), no entity may place a hard inquiry on my credit report without my explicit written consent. The following inquiries must be removed immediately unless valid proof of authorization is provided. 
XXXX  XXXX XX/XX/XXXX No permissible purpose. 
XXXX XX/XX/XXXX Inquiry made without consumer authorization. 
XXXX XXXX XXXX XX/XX/XXXX No consent documentation provided. 
XXXX XXXX XX/XX/XXXX No permissible purpose recorded. 
XXXX  XX/XX/XXXX XXXX violates FCRA 604. 
XXXX XX/XX/XXXX Failure to provide compliance records. 
XXXX XXXX XX/XX/XXXX No proof of consumer authorization. 
XXXX XX/XX/XXXX Must be deleted for non-compliance. 
Required Actions & Resolution Timeline To bring my credit report into full compliance with XXXX XXXX standards and the FCRA, I demand that your bureau : Conduct a full compliance audit of the disputed accounts. 
Provide direct verification from the original creditor with all XXXX XXXXrequired fields. 
Immediately delete all unverifiable, inaccurate, or unauthorized accounts. 
Remove all hard inquiries lacking proper consumer authorization. 
Provide an updated credit report reflecting these corrections. 
If I do not receive a satisfactory response within 15 days, I will escalate this complaint to federal regulatory agencies and pursue further legal action for continued noncompliance. 
Sincerely, XXXX XXXX

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