Consumer complaint received 2025-10-17 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: NV

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
Several collection account appearing on my credit report are inaccurate, incomplete, or otherwise unverifiable. Under the Fair Credit Reporting Act ( FCRA ) 611, consumer reporting agencies are required to conduct a reasonable reinvestigation of any disputed information, and 623 ( a ) ( 2 ) and 623 ( b ) impose a legal duty on furnishers to investigate and ensure the accuracy of the information they provide. If any of the disputed accounts are found to be inaccurate, incomplete, or unverifiable, the furnisher is obligated to promptly update or remove the information from my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$950.00} Original Creditor XXXX XXXX XXXX I request a full reinvestigation of these accounts and that any unverifiable entries be removed or corrected. 
Certain inquiries listed on my credit report appear to have been made without a permissible purpose and may not have been authorized by me. Under the Fair Credit Reporting Act ( FCRA ) 604, consumer reporting agencies are strictly limited to providing access to a consumers credit report only for authorized purposes, such as in connection with a credit application, employment, insurance, or other legally permissible reasons. 
Any inquiries that can not be clearly verified as having a legitimate, authorized purpose constitute a violation of my rights under federal law. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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